Years ago, I participated in the Bike Coalition's Valentine's Day game show: Love on Wheels. One question asked if contestants 1) always wear a helmet, 2) go free and loose, or 3) "I'll wear whatever you want me to wear." The other 2 ladies answered first with #3. My answer? "Ladies, eeeeeew. Safety first! Always wear a helmet."
Euphemism aside, I found this lady inspiring. She's got boots, skirt, sports coat, and long hair with a reflective vest and helmet. Safety and style go together!