I agree with your thoughts.I don't think anyone will hang you out to dry here. We all should wear a helmet but I personally have not. I own one and have not used it. I know I should wear it.
I've been looking for an easier solution and not so bulky as a motorcross helmet. several I like is the bicycle and smowboard helmets and the simpson pit helmet that the blue site claims is there exclusive but is available online directly from Simpson.