Most people live in cities, so your anecdote does not help.
According to http://www.bicycling.com/news/advocacy/ride-smart almost half of car-bike accidents are due to cars turning left, and NOT seeing the cyclist.
There are many, many places where the option to ride without a helmet does wonders for cycling culture.
I'm genuinely interested in the benefits of forgoing safety equipment that is readily available, easy to use, and proven to save lives.
Perhaps my experience is skewed because I almost exclusively do mountain biking. You couldn't pay me enough to ride on urban streets contending with cars.