Let those who ride decide.
Yep, I know it is safer with a helmet, and a full face is safer than a 1/2 or 3/4 helmet.
Then again, I know it is safer to drive my 1 ton crew cab dually than my bikes.
I have taken the motorcycle safety course and the Experianced rider safety course, and will be taking it again this year with my wife, her first time as a rider.
So, how many where their helmet in 99 degree weather in FL? You still wearing leathers and gloves? If you are hot or over heating are you riding as safe and as alert as you would be if you were comfortable?
I let conditions determine when I were a helmet when I have a choice. Big city, heavy traffic I wear the lid. Country roads, minimal traffic I do not.
As for others paying for my choices.....I doubt it. I have very good insurance both medical and umbrella. My will or living will is very specific.....pull the plug.
I have more than once had to pay for others choices. Wife tee boned by an un insured motorist. I was hit by a dui driver, with no liciense and no insurance. How about all the under insured motorists. I feel I pay every day for others lack of responsibility or choice. I do with my insurance, coverage for under insured and un insured motorist.