Which Way ?
First of all I'm a big advocate of obeying the law. In Kansas, though you don't have to wear a helmet, I find myself wearing one a majority of the time. I live within several blocks of our downtown area and will ride with my few remaining white hairs blowing in the wind as I traverse the neighborhood. No fast starts, no turning fast corners and lots of defensive driving. This also seems to work late at night when most people are off the roads and there's more room and time to avoid potential encounters with fellow motorists.
In the Kansas City metropolitan area we all live near the state line. As I cross into Missouri, I've already got my helmet on and keep it on the entire time. One thing for sure. No matter what the helmet law is for the state in which I'm riding, if I have a passenger, they will always wear a helmet or not ride with me. Not so much a double standard as much as I'm responsible for their safety and well being and they have so little control over my driving and awareness level. What I choose to do with my own self is material for another discussion.
I'm aware you can do serious harm to yourself at 10 to 15 mph. I also understand that the graduated curve of probability for serious physical damage and or reaching the status of vegtable grows ever so quickly as your speed increases and the protection to your head remains non existent. Whatever you decide, please ride as safely as you can and be aware of others around you.
P.S. I've heard of riders, in mandatory helmet wearing states, that buy a small topper and strap it to their leg. Their belief is that the law says, " You must wear a helmet" but doesn't specify where it is to be worn. Don't know if that would hold up in court...... but an example of some riders philosophy.