You're not getting this are you? The equipment for MTBing even in your local woods is different than it is for your daily commute. Because the risks are different, the designs are different to mitigate those risks.
If you choose to commute in MTB gear, you'll find that the risks you face will be mitigated however there is an argument that you will have over-compensated for those risks. If you choose to MTB in commuting gear, don't be surprised if, as is the case on your commute, that equipment does nothing to mitigate the risks you face.