I always wear a helmet. The habit started when I worked at a Girl Scout horse camp and we had to wear helmets when riding for insurance reasons. It became so that I feel naked without one.
The one time I didn't wear a helmet in the last three years, I got bucked off a bat-crap crazy mare and hit my head, which caused me to black out momentarily. If my best friend hadn't been in the round pen with us and jumped between me and the horse, that mare would have trampled me (on purpose) when I was blacked out (the mare came after me with the intent to kill). If I'd been wearing a helmet, I more than likely wouldn't have blacked out and would have been able to get up and out of the way.
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