I've ridden 2 wheel bikes since being around 5 and been a utility, commuter and hobby cyclist ever since - way over 50 years.
Don't like wearing a helmet as I like the wind in what's left of my hair. A polystyrene hat and/or its straps are in the periphery of my vision and, at least subliminally, muck around with my hearing. Some have half decent ventilation but most are sweaty as soon as you're in stop/start urban traffic.
I wear glasses and have to take them off to don or remove the hat. While I was using the enonymous folder in London I'd have left the damned helmet on the train at least twice a year.
I know I'm taking a risk. Like the poster above I ride defensively using observation, hands on brakes, avoiding the nearside gutter or sneaking inside traffic etc etc.
Spent ten years of my working life with people with brain injuries. Working at height or in areas where something might fall, driving massive distances etc are high risk. So is walking home after a skinfull.
One cyclist amongst them. Sort of rider with no lights at pushing midnight, pedalling on his insteps, totally pickled and, as above, going home after a skinfull.
Best cycling pic of all time is of the French professional rider Laurent Fignon on an Alpine descent bareheaded and with his signature ponytail hairdo trailing behind.
He didn't die falling off his bike but in his bed with cancer of the colon.
My knowledge, my risk, my life,