You are really not making a scientific decision. You are making a risk management decision, based upon your perception of the risk of your not wearing a helmet vs, whatever reasons you might find for not wearing a helmet - be that discomfort or whatever - I am not clear why you would not want to wear a helmet. Cost? looks? discomfort?

It is a personal call, not a scientific one. However, there are certain known facts:

1. Everyone riding a bcycle eventually falls - at least I don't know anyone who hasn't, and if they haven't, there is about a 99% chance they will eventually.

2. Some of those fallw will involve serious or fatal injury, some will not.

3. A helmet can be useful in preventing or reducing the seriousness of injuries.

Again, what I don't understand is the negative side of wearing a helmet??

In any event, absent state laws in your state, it is your call.

But, with the current state of resarch in the area, it is far from scientific.