The question to me is risk versus benefit. I have seen a number of mild head injuries with car accidents, which would have been much worse if no seat belts or airbags. On the other hand, in bicyclists vs autos, my experience has been that the head injuries tend to be more severe or catastrophic.
After treating hundreds of patients, not one ever said, "I would have been better off without a helmet." In contrast I have heard many say they may have died or been more impaired without one. Thus I definitely choose to protect my noggin. For those that don't, I truly wish them health + good luck.
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Note to self – check their profile before replying to a post. A Rehabilitation Psychologist will obviously have far more exposure to patients with (I imagine often horrific) traumatic head injuries following cycling & other RTIs than an aerospace engineer 1/6