I agree, it is about 50/50 on riders who crashed without one thinking, they now need one...but, as I said, almost all, not all, but almost, involve someone admitting they were doing something to the extreme. With that kind of rider, they do need a helmet. But, look how many people feel the need for a helmet to protect them from cars...and the helmets are not designed to do so.
You cannot control the other driver, but like they used to say decades ago, you can drive (ride) defensively.
I agree, no helmet will fit everyone...that is why I mentioned a coupon for a free helmet as an alternative. The feds can limit the price and if you want something fancier, you can pay the difference. But, if the feds or states believe that helmets are that important in saving lives, then they need to make them free (or include them in the cost of a bike) before they make them mandatory for all ages.
As to invincibility..that is something that doctors and groups investigating why head injuries increased with helmet use are theorizing. It isn't an original idea on my part.