OKay, Bea...
Did you know most serious head injuries occur from falling off at the WALK. (yeah, not us hunters over fences, not the jumpers, not the crazies galloping all over the place)
The group most affected by head trauma injuries are pleasure/trail riders. (again - most pleasure/trail riders don't wear head protection whereas it is required in many other events)
I have always worn one. Now that I have kids, especially, the risks seem more. Who would you leave behind? Who would bear the burden of your care if you were incapacitated? Yeah, you can still get hurt or even die with a helmet on, but the risk of catastrophic head injury is SO much less!
They even come in snazzy designs, leather with stitching...colors....I mean, being a traditionalist I still have a velveteen mushroom cap...but you could really get fashionable WITH a helmet!! I LOVE the black one with pink stitching!
Now here's an argument I can't even wrap it around...
A HUGE percentage of head injuries occur while DISMOUNTED. I know I've taken a few good knocks, but they (the experts) suggest you wear a helmet all the time around horses. Nope - can't do that one!!
Go buy a dern helmet! $100 for your life...not too shabby.