I've crashed a car and totaled it. Was fine. So two brushes with death I think? No hospitalization there either, crashed my mom's Taurus into a pole in the snow at about 25mph or so. Walked straight out of that crash, no hospitalization there.
The study though, about the bicyclist having cars pass him closer with the helmet on, interesting one. But as I said, in that particular crash, I think a helmet would have been a disadvantage as I wouldn't have tucked my head in and probably would have had neck problems. In that particular crash, I managed to just like, get up from it. Wasn't hospitalized even. Ambulance maybe hit me at 15-20mph or so? Felt like hitting a wall in reverse. But I got hit by an ambulance, it didn't have it's lights flashing, though. There's a different psychological factor at work, too. Wearing a helmet might make me act a bit more invincible than I should act, thus negating the helmet's protective effect in the first place. Overall, it's more just ambivalence about it.
Figure skating I probably fall on ice like once a week at least, and have gotten no serious injuries from that. Figure skating nobody wears helmets, except for little kids. A few times a year people do die from it, but probably less injuries happen per hours done compared, to, I dunno, inline skating, skateboarding or BMX, just because the "serious" nature involved, and you learn quickly to not bite off more than you can chew.
Oddly compared to some of my friends, I'm incredibly NON-risky. I have a friend who pulls parkour type stunts and general daredevil idiot stuff. He'll break a window motor for his car, and open his door at 70mph on the highway to spit out gum, drive with 1/4 inch of frost on his windows, cross 200 foot high rail bridges like he's walking down the sidewalk (I did this once, and was totally scared out of my mind.)
Oh well, let's hope I don't die or get seriously injured somehow anytime soon. In my case, maybe I got Guardian Angels or something. With my track record it wouldn't surprise me. Especially since I've gotten up and walked away from 3 incidents in recent memory that had some potential for serious injury or death.