I had a fairly similar off to you a few years back - coming down a hill and, whoosh!, the front wheel just washed out. Oil, diesel, or merely the eejit betwixt saddle and handlebars? I don't know - but I did come very close to hitting my head on the ground, when I would have been still doing rather more than 20 mph.
Sufficiently close in fact that I would have struck my head on the ground had I been wearing a helmet.
Out of curiosity I worked out just what would have happened had I been wearing a lid (I'm a physicist, so I was sort of obliged to do so... ) The rotational acceleration would have exceeded 6000 rads/s^2. 3000 rad/s^2 is the threshold above which severe brain injury occurs. And a helmet still wouldn't have prevented the broken ankle!
You'll understand, I hope, why I am not a convert to helmet wearing...
My point? Well, simply that it is not possible to categorically state that a helmet will be beneficial in all circumstances. It is perfectly feasible that a helmet may make things worse, simply due to its bulk which makes the probability of a head impact more likely.
Lastly, that crack in your helmet. The properties of that polycarbonate shell are rather different to that of your skull - skulls tend to be much stronger. You cannot equate a crack in a helmet to preventing a fractured skull. Moreover, a crack is indicative of brittle fracture. Helmets are designed - or at least supposed to - undergo progressive crushing to dissipate the impact energy. Brittle fracture dissipates little energy. This can be demonstrated by dropping a glass onto a hard surface - the shards move away from the impact without having lost much speed. A cracked helmet is indicative of a helmet that provided less protection than it should have done.
You seemed to have missed the most important aspect of all this: how's the bike?