When I was kid I was taking a turn too tight and it was wet. Bike slipped out from under me and I went down HARD on my head. Cracked my helmet. Would have most likely suffered a pretty serious head injury. I was fine. Helmets work.
And I say the same thing about people who think they're good at driving so they don't need to wear seat belts(yeah, I've heard people say that). Not everyone else on the road is a good driver, and simply enough, accidents happen. A ****ing deer to could side swipe you (it happens) and you would most likely be better off with a helmet than without one.
Why does this have to be so complicated? Helmets wrap your head in styrofoam and plastic and do a good job of absorbing a brute force impact to your head.