billions of people around the world live in third world conditions; no clean water, unsanitary waste disposal, fertilizing their gardens with human waste.
They come to australia and wonder why we tell them its stupid.
Back on topic, please not another helmet debate.. but if you don't want to wear one, consider the opinions of people who have stacked with and without helmets (such as fyxomatosis.com) and think about it.
My experience is that if you're riding on the footpath, or in the gutter, or in the door zone, you won't be hassled. Cops seem to be like most other road-raging yobbos - they hate seeing a cyclist taking the lane, and if you're doing it sans helmet they're gonna pick on you.
Thanks Dave W. As always, an interesting response.
Having worked in senior management of the private hospital system for some time a few years ago, I would caution you on your apparent total reliance on the private health cover system. It is full of pitfalls, not the least of which are the time limits imposed for the treatments covered. It would be worthwhile for you to find out just how long you would be covered for hospitalization for a long term injury, and, say, to what extent/time limits/number of treatments would be covered for such services as rehabilitation, physio, etc. As with all insurance, things are not always as they appear!