here in pa we aren't required to wear helmets either. i'm not sure how that's the case when we have about every other moped law in place (we need insurance , registration and title, and a license plate). well there's no special license required just a driver's license.
every once in a while i wear a helmet though like when i'm travelling a distance at night. but for the most part it's just a hassle to me. even though i'm quite aware that it may not be the smartest decision in the world i still do it. and i've even broken the top 3 vertebrae in my neck before in a car accident and was somehow fine after 3 months in a neckbrace. ok now i feel like wearing a helmet.