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Sure, there's tons of factors that figure in to it. I've been down in two minor accidents and one major one. Never put a scratch on a helmet in the process, luckily enough. I quite often ride in only jeans not proper motorcycle pants. I'm well aware I'm risking some severe road rash. The risk factor is OK for me, I can handle it on my butt or thigh, even if it will suck ass. On the other hand, I don't want to drag my face down the concrete not even for a second.
I'm sure Baddog's going to argue helmets reduce your visibility and restrict hearing. It's a silly argument. My helmet doesn't reduce visibility at all. I've raced cars, lots of auto cross and what not in helmets and never had a visibility problem there either.
Like I said though, but all means, wear whatever you want. It doesn't bother me.
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