[RC]   Helmets and risk tolerance - EBraznell
 
Seems to me that whether or not you wear a helmet has nothing to do with 
riding ability.  Some of the very best riders I know wear helmets, and some 
of the very worst do not.  That's their choice, and I don't applaud or 
condemn them. I DO condemn the parents of young children that don't put 
helmets on their kids!  Young kids are not sophisticated enough to make a 
decision like that.
Whether a grown-up wears a helmet depends on how risk tolerant they are.  I'm 
a fairly good rider.  Not the best, not the worst.  But I don't have the 
tolerance for risk that I did when I was younger, now that I'm a woman of a 
certain (ahem) age.  So, I wear a helmet.  I vaccinated my horse for WNV.  I 
have collision insurance on my 1993 car (which is worth less than two years 
of insurance payments).
         Elizabeth Braznell
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