Neither the possiblity or a brain injury or skinning an elbow or breaking a collar bone whatever would keep me off the bike. Even though I wear a helmet that is not a guarantee that nothing will ever happen to my head as long as that impenetrable "force shield" is surrounding my brain. But if helmets in the make pretend world of yours became illegal then I would probably not ride anymore, because I know that even a seemily minor accident can cause major problems if you wack your head. I had a cousin that wacked his head on a curb without a helmet doing about 5mph because a car struck his bike but not him...he is on permanent disability and has been for 20 years. I wear a helmet because I think my brains are worth the expense, heat and weight of the helmet; without the helmet my brains are worth not riding the bike, and I would find something else to do.