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You guys want to hear some freaky shit, listen to this.
When I was first getting into biking, I had a pretty limited budget, so I sank the majority of my money into the bike itself, foregoing a kit. I rode that sucker for probably 6 months without a helmet in my small rural town community, with no crazy road conditions or anything.
People kept pestering me to get a helmet, so I ended up buying some shitty cheap one second hand, and decided to put it on for my afternoon ride. When I was going down this one part of my road I had ridden a thousand times before, I was sprinting and must have hit something that the wind blew into my path when I wasn't paying as close attention as I should have been. I flipped the bike entirely and landed on my head going at about 45mph, absolutely destroying my saddle and rear tube.
The helmet shattered on impact, saving me from what I assume would be brain damage or worse. The worst part was I ended up laying on the pavement for about half an hour before a car came by.
The following day, I headed to my bike shop and bought the most expensive, highest safety rated helmet they had.