Hell, in the MINI I wear a four point shoulder harness. The last accident I was in the shoulder belt tore my left shoulder up, I don't trust the factory belts anymore.
The bike is another story, I wouldn't wear a helmet at all if the weather would be perfect everytime. The full face only gets used in the rain and the cold. The beanie is to satisfy the Maryland helmet law since about every thing seems to go through Maryland to get there. When I rode like a maniac I wore helmets everytime ... I suppose if I started sport riding the R3 I'd go back to wearing leathers and the helmet. But now, especially with the center stand, it drags pulling into the drive.