I have no problem with insurance companies, I have problems with people who say that policy holders pay for accidents like its some kind of news. I have a problem with people justifying restricting behaviors because of increasing premiums for all on such a minute section of life as not wearing your helmet. Go after a real threat to safety and your insurance premiums. We should be arguing as to how to increase ridership, or just exercise in general, if those are our concerns because that would save many more lives and much more money than helmet use.

I guess what I'm really trying to point out is how ridiculous the helmet arguments are that I have heard. "Well, you should always wear a helmet because its safer" That is bad logic. I am interested in positive arguments advocating the use of helmets based on logic. Use real arguments, rather than fear of a slight risk, to convince me that I should purchase a helmet or show me that there is a real risk. Cost-benefit style. I realize that helmets are cheap, but the fear campaign to increase their use damages the sport. It makes cycling seem much more dangerous than it is.

Besides, I look too cool in my color matching helmet and jersey riding along in a 30 mph paceline.
>>Finally a personal advocation of helmets I can buy- Style