Earlier quoted context omitted.
I really don't need to cite anything to tell you that if you get in an accident you are better off wearing more protective gear. I don't care that very few cyclists get in bad accidents compared to walkers and joggers. I care that if I am in an accident, my brain doesn't become a smear on the pavement.
You're assuming that accidents are equally likely with and without helmets and ignoring OP's point that, on balance, you're better off biking without a helmet than not biking at all. You might actually be right here. I do not know. Either way, don't expect "I really don't need to cite anything" to convince anybody serious.
Strangely, in Denmark most cyclists do wear a helmet. To me it's very inconvenient. E.g. where to store the damn thing when going anywhere?