I absolutely hate helmets because they look stupid and don't feel that great, but I always wear one. Well, okay, not always, I went riding in Las Vegas recently and didn't wear one, but the horses were broke to death and we only walked... so... But other than that I always wear one, having fractured my skull twice in diving accidents, and a third time by being kicked in the head by my own horse!
Can you imagine?
Now THAT was embarrassing! Especially as I had just finished telling someone who was afraid of her that she was perfectly safe. But, she was a baby and she reared up when they began flapping their arms around and wacko, with a front hoof. I am told I that when I fell, unconscious to the ground, that I did it rather gracefully.