It would be the least of my worries after a crash...

Lets talk about bike repair/replacement wheel repair/replacement after a crash first. Helmet is cheap. And oh medical cost, ambulance or helicopter ride... Too bad you can't enjoy or worse have no memories of riding in a helicopter (med-evac).

None of us plan on crashing. It's one of those things. It happens.

One thing though, it's not like the old days when Bell was the only manufacturer. Back then you might get a free replacement.