Mainly as team colours need to be worn, so players can be distinguished. Some shin guards are held in place with the socks. And shin pads have heavy branding which would need to be covered anyway.
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I can answer this question with experience. Many things can happen. You can have an injury as small as a bruise or as large as a broken bone. I myself got a contusion on my leg while playing just for fun. I went to the hospital and they said I was fine but I wasn't able to walk on it for about 3 days. Many times you will get lucky and not have any injury. I always never wore shin guards because i thought I didn't need them. So it's up to you whether you want to wear them but after my injury, I will always wear shin guards.