AT the time that cycle helmets of the more modern kind began to appear (end of the 1980s, beginning of the 90s) I was of the road dacing and TTing ilk, as well as a sometime tourist. Such helmets rapidly became mandated for racing but most cast them side when not racing. At the time, there was the experience fresh in the minds of habitual cyclists, even ones riding fast & close, that head injury risks were rare.
For some, though, a helmet had more appeal as an every-ride item as their personal history contained head-bang events (usually more than one, in fact .... several). Such a choice for them was obviously sensible, even if they did sometimes assume the helmet provided more protection than it did.
Over time, as helmets became more heavily promoted and fashionable, this inclination of many experienced cyclists to reference their personal history, rather than the fashion when choosing whether to wear a helmet or not, faded. Along with the fashion-driven decision came the usual after-the-fact rationalisations. No one wants to feel they were just a fashion victim, eh!?
Today it's become difficult to use personal cycling history to make a judgement about helmet-or-not. Many I know feel a fear of going for a ride without one - even those who did so for decades before 1990. It really is astonishing how powerful adverts, fashion and the human need for conformity can make us do things that are either unnecessary or, in some cases, actually harmful to us.
Helmet-harms are perhaps insignificant to the potential harms of, say, voting for a Farrago ..... but there are some. Risk compensation is probably the worst; just being uncomfortable in the thing is the least.
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How to do the risk assessment today? Well, as we ever did before studies and their data - try to use personal history and an estimate of how one as a particular human with a particular set of bodily abilities and inclinations would invoke various kinds of risks in various kinds of circs.
If I cycled daily through a heavily urbanised environment full of potholes, kerbs and upright street furniture, I would be inclined to wear a helmet as the risk of a fall and bang of the head on a sign-pole or similar would seem a distinct possibility. Maybe MTBing through a forest ..... . Happily, I have to do neither.
“Practical men who believe themselves to be quite exempt from any intellectual influence are usually the slaves of some defunct economist”.
John Maynard Keynes