It's up to the individual to decide. A lot of organized affairs require them and they can set their own rules. If you do want one, Walmart/Amazon has decent ones in the $20 range like the Schwinn Thrasher or if the Aldi one fits, go with that. Fit and comfort is
#1 . Just an example but I prefer helmets without a solid piece in the very middle, I'd rather have two offset "beams", maybe I have a pointed head.
This thread will get interesting.