It's you in this case. The time I spent in college working at a lab that studied head injuries in motorcycle accidents and testing the effectiveness of Motorcycle and bicycle helmets is what I'm speaking from.

As somebody mentioned earlier, this is just like the seat belt argument in terms of "rational" thought. Like the CEO of a helmet company once said "It's obvious that it's better to have something between your head and the ground when you hit. That's not even worth arguing about."