Wearing a helmet is a totally personal choice. Last time I fell off I hit my noggin a pretty good wack. Our area of the country has rocks just under the surface on the hills so I was lucky I didn't land on one. I just bought my helmet and have decided to wear it whenever I ride. I never wore one before, just my western hat but decided it was probably a good idea to go with a helmet since I was wearing a hat anyway. I recently had to have a skin cancer removed from my arm since I spend way to much time outside. The big hole in my arm is better than having one on my face, so best to wear some sort of hat (hopefully a helmet) and lots of sunscreen when you ride.
"Until one has loved an animal, part of one's soul remains unawakened..."
- Anatole France