I second that sentiment! Used to think helmets were too uncool when I was young, but wore one when I rode new, unknown horses at the trail co I worked for. Lucky, as one new horse I rode freaked when I got off to wait for a slower group to catch up & reared over me, kicking my head on the way down. Same horse, similar situation with a rider who felt much cooler than me... until horse reared & luckily only tore the guy's scalp in a huge flap that hung down over his forehead - could have been much worse!
A couple of years ago a friend was riding her horse through the bush when he went under a low branch & wiped her out. She ended up with a broken neck, but the docs said she would have been dead without her helmet.
Helmets are cool enough for me!