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I'm in PA, helmets are required if you have a permit but with your license you can go without.
I still always wear one, I ride a cruiser and have a half helmet. Like others said I'd need it just for bugs and wind and crap. I wear padded glasses and my helmet has a pull down visor.
I'm a huge proponent for things being up to you though. I don't think the law should force you to wear one. I don't see a good reason not to, but if you don't want to wear one that should be up to you.
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