k, HOLY FUCK
k, look. you drive a car everyday, to work, whatever, theres speed limits, air bags, your not "pushing your limits" while driving your car, theres crash tests to make sure cars are safer etc.
now, i have NO idea why driving a car without a helmet has anything to do with wearing a helmet in skiing.
when you ski, theres always a chance of catching a edge, or miscalculating a trick. Its also for many of us, a sport where we push ourselves almost everyday were out there, trying new things were shit can go wrong. Its not like, oh i rear ended someone, damn my insurance is going up, its oh fuck i just rear ended a tree going slow as fuck on skis, and i just smashed my head because theres absolutley no protection.
If your not wearing a helmet skiing, its like wearing no visor in hockey, it doesnt make that big of a difference if you have the visor or not, but it stops a shitload of damage being inflicted on your face / head, expecially when your in a sport where small shit can fuck you up.