I am your guy hitting his head after a cycling accident and being fine afterwards. Would it surprise you that, in spite of being fine, it is right AFTER this accident that I decided to start wearing a helmet? Judging by your argument, you would call me illogical.
Why would I call you illogical? Did you conclude that wearing a helmet was a good idea based solely on your anecdotal experience, completely ignoring wider realities? Or did you actually think it through and not base your conclusion on a single event?