Well, when you talk about gear, and what that gear is protecting...you tell me how much it is worth to you.
So, how much is your shin to your toe worth? $50? $100? $200?
I wear the AlpineStars SMX PRO...$250 boot, BUT...that is nothing compared to the cost of my leg. I also had a very clear decision-maker in that decision.
Most of you know the story of the friend of mine that went down Sept 17, 04. He is STILL barely out of a coma and listed as "vegatative". He was wearing your typical gear for the daily road. Arai Helmet, Joe Rocket jacket, Joe Rocket gloves, and Joe Rocket Blaster boots...with jeans. Since we are talking about BOOTS, I will keep it limited to that. Keep in mind, his crash was extreme, but, it was on a highway, and he was just out for an evening ride. He shattered his ankle and mangled the foot inside the boot. Now, I firmly believe he HAS a foot because of the boot, BUT, had his boot offered a bit more protection and support, he may not have still had the injuries he had.
So, when I went looking for boots, I bought the best damn boot I could find, that fit snug, had PLASTIC protection, and wasn't just a soft compound leather. My friend had NO rash on his foot, and the boot never gave out or anything...but there was no support and it still shattered the bones.
Now, like you say, you can't practically wear those all day or to school or work...so I wear mine only on "rides" and when I am just not going to be anywhere I couldn't wear them. For all other times, I wear Harley Boots. Tall, thick leather, solid sole. You should always have ankle support and coverage on a bike, I cringe now when I see guys on bikes with tennis shoes. Then again, to each their own. That is just my opinion and a reason about why I wear the boots I wear...cover as much as possible.