[joopxiv]

Being from The Netherlands, this article confirms my initial suspicion.

Here, the only cyclists who wear a helmet are tourists (much more likely to get into an accident due to inexperience) and people riding a racing bike for exercise (much more likely to get into an accident due to high speed). Wearing a helmet while riding to work or something similar is completely unnecessary.

I mostly agree with the OP, but there's one difference that might be important: we are raised to ride bicycles at a very young age. When I was in high school I was often trying to ride home without using my hands, through traffic, intersections etc., and I usually succeeded. I don't think I would ever be this comfortable on a bike if I learned riding it at a later age. I did ride a bike in New York a year ago and I didn't feel unsafe at all, but when I see tourists ride bikes through Amsterdam, that's a different story.

For me, the experience of the cyclists is the most important factor for safety, and subsequently if wearing a helmet or not is warranted.