In hindsight, I regret not wearing mine the one time a careless jaywalker didn't bother to look before crossing and ran out right in front of me, forcing me to slam on the brakes which unfortunately sent me flying over the handlebars. Of course, the one time some shit like that does go down, is also when I wasn't wearing it (I didn't bother wearing it if my route consists primarily of bike lanes or trails, but after this incident I'd wear it every time going forward). At least cars, for the most part, are far more predictable and don't typically jump out right in front of you like some jaywalkers or wildlife. Ironically, this is one huge downside of curb-protected bike lanes, they are a breeding ground for such jaywalkers waiting to jump out from in-between parked cars (or car doors opening unexpectedly).