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>In an ordinary bike accident -- e.g. swerving for something unexpected, and then falling -- you'll not hit your head on anything.

You can't say that with 100% certainty. There could be a curb there, and you might not catch yourself properly, and hit your head on it.

Sorry, but I'm not going to bet my life on your feelings of "how good people are". Putting on a helmet isn't some kind of huge burden; it's no different than wearing a seat belt in a car.

>Road rash is no fun either but you're not more likely to hit your head on a bicycle than you are when just walking around.

When you're walking around, your head isn't traveling 10-30 mph. The relative likelihood is irrelevant, what's important is velocity.



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