Like many I have several helmets and have never ridden without. Too many bikers I've known or read about had an obit or are on life support: Rider was not wearing head protection. It's one thing to be gone and the spouse spending any insurance, but it's even worse if they have to sell everything to pay for permanent med care.
Lots of things to consider,,, I can live without an arm or a leg, but it would be a challenge to live without a head! (Athough I swear, some folks use 'em only as a hatrack! LOL!)
I wear one all the time, except for the occaisional 2 block trip on sidestreets to go fill up/return.
Helmets are hot, and Houston has heat/humidity almost the year 'round,,, That aspect is the toughest, but ventilation is a lot better now than it was,,,
Beyond 'crash' protection, one also needs to consider the benefits.
My eyes are 'dry' a lot of the time. Riding without a visor, even behind a full shield, makes it worse.
Eye/face protection (with visor), from both UV rays and those pesky flying projectiles. (REAL riding glasses work great for the eyes, but not so well for your face)
Road/wind noise reduction.
Great for helmet coms, but I still remember the 'peaceful' days before the wife and I got our com system! (Thanks goodness for MUTE!LOL!)
Stealth factor with tinted shield; Kinda neat to 'see without being seen' at times,,,
Added visibility with certain colors. I've used silver for the longest time to try and dodge heat/be seen. My Jcruise is white,,, same reasons. (Heavy black mesh jacket for winter. Lightweight Silver mesh for summer)
Some have nice colors/graphics,,, (Seems like a lot are geared towards 'sports' riders.)