I am one of those helmet-less idiots too, despite the fact that most of my time in the saddle is spent on problem horses and training projects. I have no good excuse for it, I just do not like them. I can see them and it bothers me (I hate hats too), in the summer it makes my head hot, in the winter it doesn't fit over my hear band and cold ears are painful.
A friend of mine was just fallen on and rolled over on by a horse, a helmet would have prevented her concussion. However another friend of mine was wearing a helmet when she fell and because of the extra thickness to the helmet she fractured her neck (Doctor's assumption, not mine)
Any which way I am sad that I cannot participate in the helmet hair photo contest! Can I be the judge?! :)