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>do you wear them?
I always do on my road/gravel bike.
Barely on my commuter diy hard tail ebike.
>why?
I ride aggressive and get exhausted on the sport bike. High speeds, rough terrain, thinner tires and narrower bars make crashes more likely too.
>when should you defenetly wear one, and when is it ok to not wear it?
Definitely wear one when you do cycling as a sport/hobby. Chances go up with more cycling, however short and relaxed commutes are safe enough without (Netherlands example)
>up to what speed do you not wear one?
Speed doesn't really matter, not gonna randomly crash on an open flat road.
Pic was a crash from tramway rails 2km from home after a 60km 1300hm mountain ride. Lack of concentration.