I understand your situation, but please also understand that per cycled kilometer, the Netherlands is a lot safer than any other country. There exists no country with as big of a modal share with bicycles, and our accident rates involving bicycles are still super low. I'd love to get my hands on statistics on accidents per million kilometers or so, but it doesn't seem to be tracked anywhere for bicycles.
Point being is mostly that although a helmet helps if you get hit by a car, that itself is already a very rare occurrence in the Netherlands due to the way our infrastructure and roads are laid out. In addition to that, the average speed for our cyclists is lower, because 'sporty' cycling and commuting cycling are two very distinct kinds of activities over here. This means that your average city commuter cyclist will usually cycle at a leisurely pace between 15 and 20 km/h, not the >25km/h your average sporty bike will do.
I'm not saying not wearing a helmet would be the best choice your situation, in almost any biking situation around the globe that is the obviously correct choice. The Netherlands (and perhaps Denmark) are the exceptions to this because we have taken so many other precautions to make cycling a safe experience. This video lays that out perfectly: https://www.youtube.com/watch?v=bAxRYrpbnuA
It's relatively easy to make the argument that added pollution of people taking the car due to hassle with helmets will cause more deaths and injury than leaving the helmets at home, or at the very least it'll be in the same ballpark. The estimations are that forcing people to wear a helmet will save about 5-20 lives a year on the Dutch roads. That'd be impressive, but the reduction in people opting for bicycles would yield a much bigger negative for the health of the people. Feel free to read through a Google Translated version of this webpage: https://www.fietsersbond.nl/nieuws/wat-vindt-de-fietsersbond...