Dave W wrote:So what is an average cyclist?
Looking at the figures which show safety figures for UK cyclists on the roads, one that crashes a lot less than you.
So, back to your original question, why wouldn't I wear a helmet? And again, because for exactly the same as your reasoning for not wearing one on the stairs, it's not worth my while. Cycling is safe enough for me that such protection is not worth the faff.
The difference here, if we judge from your replies, is my decision on a bike merits scorn for assuming that past performance is a guide to the unpredictable future and I'm an idiot with no common sense for assuming I won't ever have an accident where I'd be better off with a helmet in the future because accidents just happen, while your decision on the stairs is entirely sensible.
This does rather smack of double standards. I would say your decision on the stairs is entirely reasonable. The problem comes where you utterly fail to see the same reasoning works very well for a lot of people on bikes and write them off as sense-free fools.