I have the Held Tropic II jacket (and their Zaffiro II trousers)
Used them on a trip to Morocco last year, comfortable, with a windproof jacket underneath it is useable in the UK in most temperatures from spring to autumn, now prefer it to my Hein Gericke Cruise for around town rides.
It has a back protector, elbow and shoulder pads ( I have changed them to D3O all round since before the Morocco trip) and knee/hip pads in the pants (also changed, fitted the larger Rukka shoulder pads into the hip pockets as they are huge)
Not fallen off in them yet so can't advise on that side of things, they do have a 2 year warranty thou.