I agree, and that seems to make sense, one takeaway of which would be that Dutch cycling culture has a much better idea of when helmets are necessary.

while I certainly don't "race" on my daily bike commutes, with 5.5 miles to go each way, I DO exactly take it easy, typically rolling around 10mph.

But I stlll wear a helmet on every commute (unless I forget which is rare, but feels nice)