Really? So that time I flatted at speed on a decent ant my bike went out from under me didn't happen?

Or are you talking about low speed accidents, like all of the "clipless falls" we hear about so much here. Are those the accidents that just don't happen?

And let's not forget, helmets can protect against more than just the stereotypic busted skull type of injury. Consider the case of just cutting your head and needing stitches, something that seems likely in even a moderate spill with a head-strike. Even with my health insurance, that's going to cost me $25 just for my co-pay; other services may be more (and I might even see another co-pay when I go to get the stitches removed). Now I just bought a helmet for $34, so I'm at worst paying $9 for the privilege of not having to deal with the pain and hassle of stitches in a case like that.