Ya, that is a big issue. Though for helmets you just need to know were to look. Bike shops that specialize in kids bikes and BMX bikes will have the right kind of helmets for less money. But if you have the money for the nicer helmets like the Giro shown above I would go for it. Since it will be nicer in the long run. Mostly just wanted to point you in the right direction. So you know the right style of bike helmet to look for, for winter use. Good luck.