I rode without a helmet once, planned to go about 1/4 mile up the road and back to check the bike out after fixing a dislodged carb intake boot. Now, think about that for a second... I used the "just a short distance" excuse to ride a bike with no gear where the engine was not yet known to be reliable and could stall and pitch me off at any moment... Well, lets just stay as soon as I fel the cold scalp of no helmet I felt the kind of vulnerability that could only be otherwise be experienced by a puppy zip-tied to the grille of a car in a demolition derby. I made it about 200' before I turned around a geared up. In the UK where they have socialized medicine it is all citizens who have to pay for helmetless riders who become cabbages that need to be watered for the rest of their lives. But this is the good old US of A where we make keeping people alive into a profit-making venture. So, as long as your helmet choice only affects YOU (ie you have insurance) then it's your choice.