Helmets are heavy, hot, distracting, and you can't hear your bike like you should. And they also take away some vision too. And nobody ever tells you that the helmet may save your life, but the weight of the helmet may also break your neck. I wear a helmet in states that require a helmet, but do my best to avoid those states completely. On the other hand, I blew my rear tire at about 80 mph in Mississippi a few years ago, and was glad I had it on. I never went down, but getting from 80 mph, to standing on the side of the road, I had time to appreciate wearing one, for a few seconds anyway. But it has to be my choice, not a mandate from some moron politician, under the guise of keeping me safe. How many people die every year from smoking cigarettes? Not a safe habit by any stretch, but there is no rush to make cigarettes illegal. Another case of big business trying to make the rules. If helmets are required, are your insurance premiums going to go down? No chance of that. The insurance companies want to save some money, not some lives. Business is business. Nothing matters like the bottom line.