DonMac
My backyard
I do ride with the chin bar up sometimes when not in traffic and hot weather but I always have it down in city and congestion.I make the same compromise by going modular. Every choice we make is about making informed compromises based on risks we're willing to accept. Let's face it: If we really wanted to be as safe as humanly possible we wouldn't be riding motorcycles in the first place. We might not even leave the house. But we compromise.
About riding with the chin bar up. I've done this from a stop light or driveway after talking to someone and then immediately drop it as I'm underway. (Yes something bad could happen in those few seconds.) I've seen references about cruising with it up BMW style. I've never noticed anybody doing this but maybe I don't get out enough. Is this a BMW thing or just hater trash talk? I can see how a quick blast of fresh air might be welcome but do riders actually use a modular as/like a 3/4 helmet?