If your risk calculations exclude every other person on the streets, sure I can understand why skipping helmet in order to preserve cool factor and hairstyle seems reasonable.
If you count in the fact that any idiot might just hit you down with their car after mixing pedals or some kid run in front of you, it’s just obvious to wear a helmet unless if you’re an idiot.

Using a helmet is basically comparable to a seat belt. Zero effort really, just a habit you’re supposed to learn from childhood and automatic ever since.
How would you call a person refusing to use seatbelt other than a idiot?