I think the state is too overprotective, and I do not believe that there is justification for many laws, that we have to obey. I do not think there is enough medical expenses to justify many of the decisions the state makes to "protect us".
Even the helmet laws end up just having a certain amount of people who obey them, and those who find ways around them(like wearing the beanie helmets that really provide no protection).
I wear a helmet, when I ride my motorbike, most of the time. When I am going down the block at 30 kph in my nieghbourhood, I know the risk is extremely low. When I go on the highway, I wear a full helmet to protect my noggin, and face from road debris, stones, insects, etc. It's logical.
I do not wear a bicycle helmet, now. I had one in Canada, that I wore, but only because it was illegal to do otherwise.
“Let me never fall into the vulgar mistake of dreaming that I am persecuted whenever I am contradicted.” ― Ralph Waldo Emerson