It's not (quite) as bad as all that. When you get right down to it, if your outer garments all meet basic flame retardent standards, you're good pretty much everywhere in the oilpatch. A lot of the other "requirements" are nothing more than just someone who wants to be able to see what you do without bothering to ask you. Case in point....my new coveralls are made of the same material as my old ones...but they have cool velcro patches and more pockets and are a slightly different shade of blue.
As far as the driving thing goes (and the coveralls required for stunt pilots/acrobatics/air races), we're looking at a higher standard of protection. Instead of not igniting in a flash fire, those folks are looking to avoid skin grafts after you've had burning gasoline splashed on you.