Two years ago, an older relative-in-law of mine was riding his HD full dress tourer down a gravel road at slower-than-walking pace. Hit a pothole, bike fell over, tossed him head-first into a rock, killing him. Cops took one look and said "If he had been wearing a helmet, he would have gotten away with a headache."
I always ride with a helmet, not because it's a law, but because I've gone down and seen what it did to the helmet.
I also believe in choice. You should have the freedom to ride without a helmet if you want.
So, how can we resolve this?
My dad had a theory: If you want to ride without a helmet, you must sign the organ donor card. The profit made from your brain-dead body's organs can pay for the rest of the motorcyclists that don't have insurance or a helmet on.