My sister lives on Long Beach Island, during the summer she routinely sits on her deck to people watch. Mostly it's families making their way to the beach or to dinner, but of course she gets the drunk folks coming to and from the bars.
Last summer there was a guy riding a bike, dressed all nice in his boat shoes and polo shirt riding past her house, he was holding his red solo cup, no helmet. He was moving along at a snail's pace, but you know where this is going, right?
He fell, right in front of her, the sound of his head hitting the pavement almost made her pass out. He had to be medi-vacced to the hospital. The volunteer fire fighters had to hose down the street for almost 20 minutes. Not quite sure what ever happened to the guy, hope he is ok.
Helmet always.