I'm a helmet person. I'd rather be safe then sorry. Horses=unpredictable. So, I use a helmet so when I fall off, get bucked off or Chester spooks, I will be safe or less hurt. My riding teacher fell off a horse WITH a helmet on. She got a concussion and was out for weeks. At the least two months but I know she was out much longer then that.
I'd rather wear a helmet then....get a concussion, get paralyzed, die and whatever else! =)
I'm a helmet person! haha!