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@dan
I've got to say that whilst I have mixed feelings about helmet wearing (do wear for dirt jumping, don't wear for commuting, will wear in the rain or on the road bike though...) and I'm far from having a 'policy'— people who cycle with helmets strapped to their bags or bars, or don't actually do the chin strap up are fucking morons.
Whatever your 'risk assessment' of the situation is and however 'excellent' your bike handling skills, the unexpected may still happen (there's no accounting for how stupid or thoughtless drivers may be, or for that unexpected man hole cover in the wet) and you can still hurt/kill yourself.
Imagine having to live the rest of your life in a wheelchair, knowing that you could have just put that helmet on... Or even worse, imagine how your family would feel if they knew you'd still be with them if you'd just put it on.