I wear a helmet 100% of the time when I cycle and ski (and a seatbelt while driving) because "I" want to keep "my" head safe, and don't want a minor crash to cause a gushing wound that would ruin the rest of my ride. I truly don't appreciate any of it being a law. Keep your safety laws away from MY body, when I'm not hurting anyone else. Why does "my" safety go through anyone's thoughts, just worry about yourself, and I'll worry about me. Sorry to trigger all you A&S peeps out there.
If a new law said you had to wear a helmet while driving, because it's safer for you in case of an accident (because it's true), what would you say to that?.....Exactly my point.
With that being said, and to answer the OP, I DO find that I'm a bit more "risky" when I cycle or ski with a helmet on, or mtb with knee/elbow pads on.