As I crash relatively frequently, mostly due to my own stupidity (excepting one car where I took out his windshield), I feel nekkid without a lid. As per cavernmech, while (unlike me) you may be in control of your bike, it won't help if someone is changing cd's in their SUV instead of paying attention.

I also see lots of roadies in the spandex kit, no helmet. Good to know there's a lineup of organ donors, should I ever do in my liver.