Patriot most people can ride their entire life without wearing a helmet and they'll be fine. The thing is you have no guarantees that you won't be that one person who has some silly crash and land right on your head. Back in april I was doing a ride going about 13mph at the time when I crashed on an a flat road with no debris and no car traffic, exactly why I crashed or how I don't remember all I remember was being loaded into the ambulance and spending five days in the hospital for brain injurys. I learned a valuble lesson and it only cost me 20k in medical bills and a week in hospital. =)
As for the caps they are glorified sweatbands and something to keep the sun out of your eyes.
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I once prayed to god for a bike, but quickly found out he didnt work that way...so I stole a bike and prayed for his forgiveness