Jody, I am totally with you on the gear! I always wear the helmet, knee, elbow and wrist guards. i don't fall down, but at 49 am more cautious than I used to be!
Re:skates to the original poster:
My skates are K2s and I would *highly* recommend SOFT body skates. They fit like an athletic shoe. The other info is right on re: hardness of wheels etc. I like really hard wheels becuase when you hit a pebble, you won't go flying.
I live in WI and a week ago was able to get my skates out for the first time this year. . .but will have to wait for a few more weeks now that it is once again cold and snowy!