I have ZERO worry about crashing and hurting myself.

If it happens, oh well. But I have full confidence in myself that I can ride for mile after mile without crashing the bike.

The reason I wear a helmet anyway is because I do not have that same confidence about drivers, other bikers, pedestrians staring at their phone, etc etc etc.

My helmet isn't in case I crash.

It's in case someone else crashed into me.