I ride western and I do not wear a helmet, unless I am a horse show or camp. I am in look for a helmet though. I do not ride often even though I am around my horse every day. She is a yearling.
I want to start wearing a helmet, but until I get one, I am not going to stop riding. Once I break my filly in a few years, and I start riding more and alone, I will be for sure riding with a helmet, and a cellphone, in case an emergency.
I am a 15 year old girl, and everytime I ride with friends of something, I do not have a helmet on.