Quite possible there are always going to be occassions when the safety kit causes more problems than without. you have to weigh up the probabilities.
Absolutely agreed. I always make a risk/benefit decision before riding. Sunny day gentle ride - likely no helmet, as I'll cook and there is little benefit. Sometimes on the road I'll wear a helmet because of conditions (slippy roads, or warmth - though in very cold weather I'll typically wear a warm hat or balaclava instead as being comfortable will keep my concentration up, and I'll be less likely to be involved in an accident). Out on the MTB - pretty much always a helmet, as there's more chance I'll have an impact within its design parameters.
Others will make a different assessment, and I'm not going to criticise whichever way they choose. Ultimately, wearing or not makes little difference in whole population outcomes. In individual incidents sometimes they'll be better, sometimes they'll be worse - but we don't get to choose which we'll have in advance!