JUST a helmet? Must be a bitch grilling your exposed balls on that black vinyl seat after it's been baking in the sun.I agree with that philosophy, as well.
If I am going to the beach the only gear I wear is a helmet.
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I don't blink an eye at roadies descending through pea gravel at 40mph on 1" tires wearing nothing but a body speedo. I'm not gonna give a rider a hard time for a 25mph jaunt to the beach in shorts and flip flops.