Firstly your numbers are wrong, you need double the number of trips (it’s at least 2 just for commuting). So let’s say 5% chance over your lifetime. And that number is increasing because of the reasons mentioned in the article.

Secondly just cause it’s more likely than not you’ll never get a crash doesn’t mean you have to be a dumbass and not wear a helmet. Is it really that difficult to take a little bit of precaution for something with a 5% chance of happening sometime in your lifetime? Seems like a no brainer to me.

So you get out of here with your self-destructive attitude. Wearing helmets saves lives.