It's just a matter of how bad it can be without it. If I do hit my head without a helmet, I could suffer permanent brain damage or die. Why would I risk that, even if the risk is small, when the risk mitigation measure (wearing a helmet) is so simple and easy? (And has the side benefit of helping to keep my head warm without needing a hat or balaclava.) Without a helmet, I need to be skillful, or at least lucky, 100% of the time. A single mistake could destroy my life. With a helmet, I can absorb quite a few mistakes and walk away from them.
Your perspective just sounds like someone refusing to wear a seat belt in a car because when you were a kid they weren't mandatory or common in cars. I would hope we can agree that would be foolish.
> If you're an advanced practitioner and not doing anything crazy, the risk seems low.
It seems pretty arrogant to assume that you'll never have a bad fall just because you have a lot of experience. On top of that, you can't control other people; maybe someone less experienced than you, who is stretching their skills a little farther than they should be, collides with you and you slam your head into an icy patch. Your advanced experience might not be able to help you there.
> I learned (and taught) at a time where people didn't wear helmets.
I really hope, for the safety of your potential students, that you don't teach anymore.