I grew up on a farm, we never had to wear helmets even when on the motor bikes, I mostly wore one seeing it was bought for me, I never had a serious accident and nothing that a helmet would have protected me against.
Eventually I moved to the city and ended up riding through northern and central Sydney. I was always quite conservative and always wore a helmet and a UV vest. Mainly wore a helmet to avoid the fine of not wearing one.
I made a dash through a an amber light, the bus driver coming the other way turning right didn't see me and clipped me. I went down pretty quick. I remember thinking this is really going to suck slamming my head into the road... Oh the sweet, sweet feeling of having your head slam into the ground wearing a helmet. There is no better feeling in the world!!! I then jumped up, got off the road and started patting things down to see what was broken/bleeding. A slightly grazed cheek, knee and hand, no concussion and back riding to work in 10 mins. Someone saw it all, chased down the bus and we exchanged details, hence why it took 10 mins to go back riding.
I really like our mandatory helmet laws. I don't care so much for our our healthcare and compulsory third party car insurance... yet