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snottyotter
Things to remember is that everyone risk assessment is different.
You might not want to wear one for various reasons. That fine.
But the person who is wearing one has made a completely rational decision backed up by statistics and common sense.
We would all like to have a situation where by every driver is cautious considerate and vigilant but that isn't going to happen any time soon.
If an accident happens the cyclist is coming worse off.. despite who's fault it is.
Considering the potential life changing injuries any effort to prevent it is worth while. Does matter how much the insurance payout will be.