Earlier quoted context omitted.
> Helmet proponents are right about one thing: If you're in a serious accident, then wearing a helmet makes the odds of a head injury significantly lower — by somewhere between 15 and 40 percent. (This is why ER doctors and brain surgeons are so pro-helmet — they've seen firsthand what happens in helmet-less accidents.) So this is why most of us wear a helmet. The logic is not "so few people get in accidents that if…
For this reason, I wear a helmet. But the health benefits of cycling vastly swamp the risk of death, so the helmet gain is only a small marginal difference. The person who is truly taking a risk is the person who doesn't ride a bike because of the perception that it's dangerous, and continues to be sedentary and drive a car to work. This person is literally reducing their life expectancy by years. (See links I posted…
No, that is not what "risk" means. Sedentary people can still be fairly certain that they will die when they are over 60, even if it's a few years earlier than they would if they were active.
A cyclist without a helmet has a much greater chance of dying an an unpredictable time. That is what "risk" means.