I remember the first and only time I tried riding my sportbike without a helmet to see what all the fuss was about, I got a big fat bug right in the cheek and it slid up into my eye under my sunglasses.

I never did it again, and twenty two years later, I'm still ATGATT on my cruiser. There's no point IMO taking a risk with your life, mental faculties, or skin. Especially if you have kids, which I now have.

To each their own, though.