[dionidium]

> The logic is not "so few people get in accidents that if I wear a helmet it is likely to be overkill!". The logic is "if I get in an accident I will be very glad I am wearing this."

You could use the same logic to justify extreme defenses against all kinds of rare-but-deadly events. You should be wearing a helmet in your car to protect against accidents in which your head hits the side window. You should be carrying a rifle to fight off wildlife every time you go for a hike. You definitely shouldn't be crossing any streets in auto-heavy cities. (And we could go on and on and on like this. There's no reason to even leave your house! Better to get everything delivered and not risk contact with the world at all!)

Everything is a tradeoff. There are no absolutes. Just tradeoffs.