I have had my LX 50 only a month. I have ridden it to work whenever I could. I have gone for long rides with my spouse while she trains for bike races, and I have gone for long rides by myself to the extent that I could with that 40 mph stipulation I have to work around. In all that time I wore a helmet, whatever street clothes I had on that day, and a hi viz bicycle jacket or hi viz vest.
Last week one of the occupational therapists where I work congratulated me on my Vespa, and then looked at my jacket and my gloveless hands. She said "Have you ever seen a de-gloving injury to someone? They're nasty and take forever to heal. Have you ever seen someone who has had thin nylon melt into their skin? Those burns are awful." I looked at her and said "Suzanne, are you telling me to stop being stupid and get a motorcycle jacket?" She nodded and said "Gloves too." I purchased both this weekend. I went out for a ride, and was surprised how well the jacket vents and that I actually felt more comfortable, more secure. Maybe it is a false sense of security, maybe not.
I spent the last 14 years treating people with traumatic brain injuries, and have been wearing a helmet when I ride a bike, when I ski, and now on the Vespa. You can't eliminate risk, and you wouldn't want to. But I know what kind of a burden--financial, emotional--bad injuries can be to a person and to their loved ones.
Of course, my sister-in-law the neurologist likes to say about motorcycle helmets that "They are really just there to make the clean-up easier."