I'll admit it - there are no bicycle helmet laws here yet (the do-gooders will likely win out soon), and I don't wear a helmet. It probably isn't the smartest thing in the world, but I just enjoy the freedom of it. I wear a motorcycle helmet on my motorcycles (it is the law here), but if it weren't for the law - on rare occasions I wouldn't wear it either - just for the joy of it. Again - maybe not smart - but that's just me. - And I was riding before the helmet law
And yes - I've heard the old line - what about insurance costs when you get in an accident - and public liability etc. etc. etc.. But if people are so intent on the "public good", why isn't there a law requiring people to wear a helmet climbing into the bathtub/shower? I'll guarantee there are more head injuries from bathroom falls than bike accidents.
Having said all that - I would be in favour of a helmet law for minors.- Have kids wear a helmet till they're old enough to make a rational decision on it's merits.
And when I ride - sure I ride fast, but I guarantee you that my head is on a swivel at all times - I don't lane jump - I obey traffic laws - stop at lights etc., and generally try not to p-ss people off.