Odd that we in FL have a seat belt law but no helmet law.
I always use both, but I like the fact that, at least on the bike, I have a choice.
BTW...Seat belts are not required on the Harley, and helmets are not required in the cage. :-)
I live in Florida as well.
I learned to ride MC in California in 1973. They had no helmet laws then. But since I was in the military, one was required on base. I would ride off base and remove my helmet.
Then one day on the way back to base, I had just put on my helmet and was returning when I had an accident with some loose sand. My helmet had a 3 inch gash in it.
I have worn a helmet ever since...............