I always wear a hat, mostly because it's the law plus it's rarely ever warm enough around here not to wear one. If it's stupid not to wear one is usually decided by the media after a crash. It seems to me that whenever I read an article about an accident, if the rider didn't wear a helmet and was injured, it is in the headline. How come I never read about a rider not wearing a helmet and walking away? I'm sure that happens a lot, otherwise there wouldn't be that many riders left by now.