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I am sorry, I don't mean to be rude, but there is a very large amount of incorrect information here.
The size of what you hit your head on has nothing to do with anything; only the part of your head that hits it matters, and how hard and abruptly. A helmet lessens the suddenness of the impact, thus the skull and brain do not decelerate as quickly and you do not get injured as severely.
The reason "there is nto much inside" the helmet is because it is SUPPOSED to COMPRESS to absorb shock, that is why they use that styrofoam-y stuff. If it were solid it would just transmit the impact to your head as if you were wearing nothing. Think about how football helmets are designed! That is why they need to be replaced after a fall or other hard impact, too.
Riding helmets do in fact protect nearly the whole skull, except for the face and jaw areas. Obviously it is possible to wear a helmet and still get hurt, but so what? The helmet is still considerably decreasing the rate of head injuries and head-injury deaths, and those are what account for the MAJORITY of riding injuries and the MAJORITY of riding-related deaths.
Tabulation of hospital and riding-association statistics has shown, in a number of studies, that as helmet wearing becomes more common, severe and fatal head injuries become substantially less common.
IIRC there was a somewhat more recent study that looked for whether there were more neck injuries among helmet-wearing riders who fell, and there were NOT; but I do not have the reference for this offhand.
Now, some or all of the above may be different from the situation with motorcycle or bicycle or football or hockey helmets, I dunno (I am totally not going to even open those cans of worms), but that is irrelevant; what matters here is that, when you ride horses with an equestrian-designed helmet on your head, you become significantly less likely to be injured seriously (head injuries being the most common cause of hospitalization or death among riders).
It is still a personal choice, but it should be a choice made on an ACCURATE picture of the information available.
Pat