Live and let live. Hardly anyone wears helmets and thigh guards at the mid-tier level of cricket I play, and in 25 years of league cricket, the only batsmen I've seen retired hurt have been non-strikers hit by a straight drive. If you feel more comfortable wearing all this stuff, go for it, but it does cricket no favours to exaggerate the absolutely minimal threat you face as an amateur level batsman - bowlers, umpires and close fielders are in a lot more danger in my experience. Cricket's already one of the safest sports there is, if you made protective gear compulsory a lot of people would just go and do something else instead.
You are (most likely) describing a situation local to you. It may not be the same everywhere even at "low" division levels.
In our league, every *new* team starts at the lowest division. Meaning: it is a decent to crazily competitive division. Winner climbs up to higher divisions. We have had lot of good players go thru the lowest level division. Regardless,
helmets are a must have. Non-striker and umps also benefit from some protection - we've had incidents.
Thigh pads? Personal preference.