Cracked bikehelmet this morning due to black ice, still f'd due to hurting my foot badly when going down but honestly... without a bike helmet I would be in hospital for sure.
Without a bike helmet perhaps your confidence would better match your surroundings eg: black ice. If I biked all winter in full hockey gear I’m certain I would fall more often because I would not be scared to death of slipping on black ice and getting running over by the truck behind me