I too always wear a helmet and think it's the smart thing to do. But I think what Courtney's accident reminds us all (whether you wear a helmet or not)is that no matter how great your skills or how distant a memory your last fall seems, today or tomorrow it could be any of us. We tend to get complacent, or cocky, adopting a ho-hum, another day, another ride kind of attitude and it can be easy to forget how quickly things slide beyond our control.
I am a Paramedic and also a barrel racer in my local circuit. I've seen numerous inuries that could have been avoided if the rider was wearing a helment. I am normally the only one wearing a helment when I race, but I would rather have a few jokes made about me than to deal with a brain injury. I've worked enough calls here in horse country to know that a helment sometimes is the only thing that keeps a rider from dying or suffering a bad head/brain injury.
(I agree one hundred percent with this article. About 6 months ago my horse were going over a gymnastic and part of the jump had moved a little the last time we went over it but no body noticed until it was to late. When we came in it wasn't spaced correctly, my horse tripped and hit the jump with her knee, lost her balance and we fell down to the ground together. She jumped off and brushed herself off immediatly but I was knocked unconscious for a few minutes. If I hadn't of had a helmet on I could of been hurt much worse.