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I'm lucky that I havn't had any accidents where I hit my head but I have slipped on ice and had my bike flying the other way.
I've been in many accidents where people just for no reason change direction infront of me and I fly over my handlebars. No head injury.
I guess I'm lucky because I have wide shoulders and I always hit the ground on my side first and my instict is to always protect my head when I fall.
I'll never ride my bike without my helmet.
Don't feel like wearing a helmet? I hope you're lucky whenever you accidently hit your head after falling 2 meters into the concrete.