In my own personal anecdotes, I have had one major bicycle wreck where I somersaulted into a car, one bicycle wreck where my chain snapped and I flung myself over the bars onto the street, and a couple of low-speed (~10mph) motorcycle offs where I collided with the ground but my head did not touch. Though there was one motorcycle case where the side of my helmet dragged on the ground slightly from about 5mph; it's arguable whether my head would have hit.
That said, I have hit my head incredibly hard snowboarding, after catching an edge at very low speed ("last run of the day!" type thing), and always always always wear a helmet every single time I ride a bicycle or motorcycle or snowboard, just as I always wear a seatbelt in the car. It's just a habit, and a good one.