I confess. Wear gloves always. Used to be a helmet nazi, but not anymore. Those things are too hot for me in the summertime. I've fallen, twice. Once for forgetting to uncli[p at stop sign, and once on slippery blacktop bike trail on downhill curve. Both times was glad for gloves. Both times had helmet on. Head never bounced off anything. I get that helmets are smart. Thing is, nobody ever said I was smart. So. Since I don't wear one all the time, it's just never for me. If I was on an organized ride that required helmet? No problem. Just not when I coast down the driveway, ride the 5 miles to the quickie mart, grab something to drink and ride back home. YMMV.