No problem.
My decision regarding helmets is long-standing, but was reinforced by my accident (caused by turkey buzzards in Georgia) a couple of years ago. Three cracked ribs, multitudinous bruises, and a splitting headache from the helmet crashing against the ground convinced me I’d be better off with the helmet.
Besides, if I rode with my nads they might throw my balance off! ;-P
Fortunately I have had few minor accidents on the road. Couple broke bones.
Most major accidents were on a track where I was covered head to toe in armour under controlled invironment.
I say anyone who rides unprotected has not been down....
...yet.