To a fair degree I agree with that philosophy - which if I've understood it might be re-phrased as "if I'm doing a type of cycling I percieve as slightly more risky I'll wear a hat".
There is one flaw though in that you've (naturally enough) assumed helmets reduce risk for cycling. The trouble is they don't appear to have done so in Australia - for whatever reason. So either they make no difference either way, or for every time they help protect there's another instance they make things worse. This balance may change at speed but it would be hard to say why or in which direction.
I also don-t understand why you're so dismissive of the head injuries following beer drinking point. Surely it's undeniable that (significant) beer drinking considerably increases the risk of head injury? Ok maybe a quiet pint with your tea might be equivalent to the park cycle, whilst a stag do might be pro racing down the alps. But a head injury is still an injury. I don't know the stats, but I'd be suprised if alcohol wasn't a bigger risk than cycling all in all - and certainly not a trivial one. It's perfectly fair to ask why "we" .(ie society) see cycling as a helmety thing but not another somewhat risky activity. Asking this kind of question helps us think things through clearly and is not being smart-arsey or intellectual debatery.
To be fair though, simply beacuse we don't wear helmets when we should for one risky activity isn't a reason for not wearing them for another - providing they help of course
I just dont know anyone who has seriously injured their head whilst drinking or seriously injured their head whilst in the kitchen against an open cupboard door. However I do know people who've come off their bike where like it or not they and others believe their helmet helped prevent more serious injuries. If it did prevent serious injuries is open to question I guess and something some people will never believe it seems.
I just see cycling in a light which opens up the possibilities for accidents - busy roads, idiot drivers, mechanical mishaps (punctures, brakes, drive train etc) slippery conditions, animals running out, children running out, car drivers opening their doors in your path, manhole covers, pot holes etc etc all exacerbated by speed. Most of which will happen when cycling but not whilst walking on the pavement or in the hills or drinking beer, I just don't buy the comparisons.
Another point, I'm self employed, I don't have a safety net of "getting paid time off sick" like some employed people, I wonder if this shapes my view on risk and doing what I can to limit my chances of a head injury?