Actually not a silly question. There’s a slightly higher risk you’ll injure your head walking than cycling. If your assessment was risk based. You’d not decide to wear a helmet cycling without also deciding to wear one when walking.
This is a good and fair point. The risks of head injury are higher for walking than from cycling. That's not why I wear a helmet though.
Repeated studies by doctors suggest that where a cyclist does sustain a head injury, the presence of a helmet is a factor in reducing the severity of that injury.
I have seen no studies suggesting the opposite.
So yes, it is very unlikely you will sustain a head injury, and helmets might therefore seem like overkill, but if you are involved in an incident, then the helmet may be the thing that helps keep your head intact. I like small but tangible benefits.