I guess in all insurance fairness, the insurance companies need to charge the anti-helmet people higher premiums. The smokers under my company's health plan pay 66% more in monthly premiums than I do. So if you enjoy cancer sticks, riding without a helmet, or playing Russian Roulette, you should have to pay for it. Seems like a helmet would be cheaper in the long run.
I know, I know..it's not about the money, it's about the freedom, and frankly I have no desire to express my opinion directly to people who ride helmetless. But I will talk about them behind their backs. ;-) STUPID.
Speaking for myself, I feel like I'm riding naked if I get on anything busier than a neighborhood street without a helmet on. I rode my current 250 home (about 20 miles) before I had bought my helmet, and I was admittedly a little freaked out and was really ready to get home.
Being in a wreck will really change your perspective about helmets. If I hadn't been wearing one, I'd be seriously scarred, if I'd lived through it at all. But if other riders have no problem facing that very real possibility, more power to them.
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