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Rebuttals to a few of the cons:
Nope, always wear the helmet. To not wear one is just stupid.
A helmet is only needed if you intend to spend significant time in traffic. Most of the world doesn't use one.
The math behind using one is a lot more on the margins than people realize. In order for it to save you, it first has to prevent a head injury, and then prevent one that is in the range of severity that makes it useful. The vast majority of bike injuries won't fall in that range, they'll either be related to another part of the body, or in the case of high speed crashes from a car, too severe for a helmet to matter. But helmets do give people a false sense of security. Statistically people ride faster and take more risks with a helmet on. Lastly, again statistically, the visibility gear you put on yourself while riding does more to keep you safe in traffic than a helmet. Lights, reflectors, reflective vest, etc.
All this to say, the religiosity with which people proselytize helmets is misplaced. I still wear one, but I don't judge people who choose not to.
You make some good points.
I don't wear one and I judge myself for not doing so 🤷
Complicated issue.