I hate wearing a helmet and never did as a child, and I've turned out fine. Regardless, I tend to usually wear one. I've seen at least 3 crashes in the past few years where a helmet probably saved someone from a far more serious injury.

I've never wrecked in a car or needed my seatbelt, but I wear that thing too. 99.99% (some randomly made up number) of the time I won't need my helmet, seatbelt or other safety device. It's that .01% chance that I will that reminds me to use it.

Wear them or not, that's your choice. My daughter still relies on me, so anything that I can do to ensure that I can support her just a little bit longer...even if it may not even work....is enough for me.