You're very lucky. The worst wipeout I ever had was on the side of a small town street. I was accelerating, the chain popped of my gears, and I basically flipped the bike over and ground to a stop on my helmet. My reactions and training absolutely helped me; I knew how to roll into it and how to not break my wrists. But without that helmet, I would have ground a hole into my skull.
You don't need that helmet until you do.