Jennifer Bombardier
I was working a 2 year old fresh out of 60 days training, so I wore a helmet. That 2 year old decided he was done working and 
bolted to the barn. The classic one-rein stop did nothing. When he reached the wood fence he did a 90-degree right shooting me over 2 sections of fence and I landed on my head on the ice. Cracked the helmet and I suffered a concussion but would have fractured my skull if it wasn’t for the helmet.
It just made sense after that because you never know when something unexpected will happen and you will need protection.