We cycle regularly....also mainly cycle paths, but do go on roads to get to them. We wouldn’t dream of not wearing a helmet.
Years ago, there were less cars, and roads/ paths were in better condition. People were more courteous generally. Now, on our local cycle paths, we have to give way to horse back riders!! and pedestrians. These pedestrians often have untethered dogs. These are the real problem for us. Have nearly come off the bike a few times, because a dog has just appeared from nowhere. The owners shout at us, but it’s a cycle path, we respond, as we go past.
The other bug bear is people plugged into music! All over the place. Can’t hear your bell ?.
No....I wouldn’t go without a helmet.