These.
I can remember riding my bicycle (as a kid) with no helmet 'cause they hadn't hit the mainstream yet. Once they were more widely available, I had to wear one. Let your kid ride without one today & you'd probably be accused of child endangerment.
When my dad was in his teens, his older brother was killed in a car crash. No seatbelts back then. Growing up in my family, everyone wore seatbelts.
The rare stories you hear about people surviving a crash only because they were unprotected are vastly outnumbered by people who would be alive if they'd worn their belt.
Ditto for people who are fine in the head after crashing a motorcycle without a helmet.
But in both cases, it's your choice whether or not to protect yourself.
Exactly.
Why carry for protection (the need for which is fairly rare), but not take other steps to guard against more common harms?
Good point there. Saw countless folks brought into my E/R-Trauma Center who either died shortly after an accident (bike/car/boat/ jetski, etc) were dead on arrival, etc. because they didnt take simple,available measures.
Then there are the fates worse than death itself (and believe me, there are some of those) life-long injuries that can be sustained, maimings, loss of limbs, sight, hearing, brain damages, crippling, paralyzations, burns, all sorts. Most of which can be painful for most of all of the rest of their lives.