What a bizarre contrast. If I'm inferring your point correctly, you're addressing those who would otherwise ride a bike to work but don't because of a helmet requirement? Is literally anyone in that position?
I get that biking + no helmet > no biking, but why is that relevant? Anyone commuting to work should have a plan to deal with a helmet, it's such a trivial thing to plan for and deal with compared to maintaining your bike, having parking for it, arranging showers, etc.
For the one off scenario where you don't have your helmet on hand, then it's more of an interesting question: "should I chance it and ride the bike without a helmet this one time?" But in that case, your statistics about life expectancy aren't going to be relevant in the health case; one bike ride is not going to make you more fit or not, but it's very relevant in the chances of getting hit by a car case.