I've known of people who have died from getting hit in the head or hitting their head when standing still (just a simple fall) and have died. As tough as our skulls are, it really doesn't take much to cause life-threatening injuries to our fragile brains. I always wear my bike helmet (and a helmet when rock climbing and probably skiing as well, if I did that anymore), no exceptions. I don't even like test riding a bike in a parking lot without one.

That said, a girl I know from another forum rides with a helmet that is SUPER cute! It's looks kind of like a hat and she even has an adorable and stylish looking flower on it. Oh, wait...I can link to her blog so you all can see it...it's so cute!

http://www.annacyclestoparis.blogspot.com/

Scroll down just a bit and you'll see her pics...

I think that for a lot of people, they just don't like to be 'told what to do'. I have a close friend who's father road a Harley without a helmet his whole life (even for the brief time in FL when it was law to wear one). He ended up being killed in an accident only a mile from his home - while he wasn't moving. Someone hit him while he was straddling his bike waiting for a light to change. And the doctors were pretty certain he would have survived had it been wearing a helmet.