I just want to be clear that I wasn't chastising anyone about how they ride (unless it puts others at risk). You have already taken steps to mitigate possible accidents and seem to be on the path to add another level of protection. We all have the right to chose our own level of comfort, safety, or whatever you want to call it. I was just trying to stress that being proactive on a safety level might be more appropriate than being reactive after the fact. This topic always brings up a lot of different and passionate responses - perhaps, because so many people have personal experiences with bike accidents.

On a personal note, I am glad you will be getting a helmet.