This should really be a non-issue. I, personally, wear a helmet. Aside from the obvious safety issue, much more comfortable than being pelted with bugs, rain, cigarettes, ashes, wind, rain, and all the other road debris. In addition to all this, the wind noise, watery eyes, and the wind burn. I can't imagine riding without. Think of taking a long trip in your car, at 70mph, with your head sticking out the window the whole way. Not very appealing, eh? If all this appeals to you, more power to you, brother, and good luck. I'll never stand in the way of your personal freedom. HOWEVER, do not ask for me to pay for your medical bills, or subsidise the cost of your insurance. It is very easy to prove statistically that there are more, and more severe injuries recieved by going helmetless. Just as the evil insurance companies are allowed to charge extra for teenage male drivers (paid my dues many years ago), and smokers, they should also be allowed to charge more for helmetless riders. And if you have no insurance, Joe Public shouldn't have to pay for YOUR choice. Emergency rooms should be allowed to refuse service to the uninsured, as long as it's coming out of OUR wallet. There, wasn't that simple?