The wife says she misses the feeling of the breeze flowing through her hair like on TV because of helmetized riding. But, being bald, I can't sympathize. They shave your head for brain surgery, so she'd rather wear a helmet than a wheel chair. Even if it is a little fettered and less comfy under a helmet, that won't sway me pro-helmet. I preach on.
Insurance is pro-helmet.
So is legal. Gone is the non-litigious Rhett Butler , father of the daughter with the pony in Gone With The Wind. That sad daddy is going to sue the Horse Club whose rules and show instructions are shakey about helmets. He'll sue the National Organization affiliate. He'll sue the County Fairgrounds responsible for the arena and the County Commissioners who provide the facility to the public.