My buddy in full gear got run down by an SUV, he was wearing a helmet and lived. When I low-sided my R11S, it hit a curb and then flipped over a couple times, my full-face saved me from having my head snapped off at the neck and almost from losing the left side of my face.
I like my skin too much, I know I cannot live without it. I will always wear my helmet and will always make sure my passenger has one on. I do not wish for MY health insurance rates to go up (as was seen immediately in Pennsy, so I hear ...) when fools decide to crash while helmet-less.
I like the states that force you to sign a waiver if you choose to not wear a helmet. My insurance should not save your dumbass if you choose to enjoy having bugs, rocks, cigarette, spit, etc. fly into your face at high-speeds or if you choose to enjoy having your skin and muscle torn away from your eyesocket as you slide down the hiway.
Wear it, why tempt fate even more? Or are you the type that says, "I'd rather be dead than in a wheelchair." Watch Johnny Got His Gun recently?