Everyone needs to assess the situation and make their own decisions.

It doesn't hurt me if you decide to ride without a helmet. Just as long as I don't see you fall and ride through the mess. Just like if you drive without a seatbelt and get ejected through the windshield... i've seen that.

I do wear safety goggles when working on the lawn with power equipment to prevent something hitting my eyes. I also wear gloves to protect my hands. I also own other safety equipment and where them when I feel they are needed. I know many people that own nothing. They also smoke, drink too much and other unhealthy things. It's their choice, I just don't want to have to pay for their healthcare when their choices catch up with them.