Quote Originally Posted by oz rider View Post
I'm a little stunned at the risk perception here.
Anecdotes are powerful and that is why advertisers use them, but we should also seek facts in arriving at a realistic perception of risk. Then go for a ride.
My realistic perception of risk is based on a $140K medical bill from my last helmeted crash. Thank god I had health insurance. Though I guess if I hadn't been wearing a helmet, a funeral would've been cheaper than the medical bill, right?

I think helmets are a lot like insurance - they don't seem necessary until something catastrophic happens, and then you wish you had it. I wouldn't build a house in New Orleans without flood insurance, and I won't ride on roads or trails without a helmet. And while people think taking risks without insurance only affects them, in reality it can have an impact on the entire community.