Obviously. I’m saying that your soviet paratrooper roll training isn’t going to save your head in a bike crash, I know because I’ve done a whole lot of both. Biking to work is the place where you’re most likely to be hit by a car, and thus not be able to roll and not be protected by a backpack.
Hey I’m not telling you what to do, only pointing out that assuming you have control over physics in an accident is a pretty bad assumption, and that telling new riders that a few falls prepares them for non-helmet riding is dangerous advice because it’s not true.
I don’t know where you live, but we all know the Netherlands is famous for having some of the best bike infrastructure in the world, and also for low helmet use. Still, the chances of TBI in an accident in the Netherlands is 2x higher without a helmet than with. https://www.liebertpub.com/doi/10.1089/neur.2020.0010
In the US, helmet efficacy has been demonstrated repeatedly. https://pubmed.ncbi.nlm.nih.gov/29677686/
You do you, I’m just saying from my perspective, and from actual experience, the single best thing I can do to prevent a serious debilitating bike injury is wear a helmet. It’s by no stretch of the imagination the only thing I can do, and I like some of your other advice you gave. I just think if you care about slippery surfaces enough to lower your seat, or care about cars enough to wear a reflective vest, a helmet sure seems like a good idea.