Bestest Handsander wrote:
My wife and I have an agreement that I may cycle as much as I wish
provided that I recover fully from any injuries. In other words, no
brain damage or permanent disablity. In the event that such injuries
are sustained, I am instructed that I should die.

So, my questions is... in order to live up (har har) to my end of the
agreement, would I do better to wear a helmet or go hatless?

Divorce her and take up Duplicate Bridge.

HTH, BS