NNP, neither you nor KH answered my question. Why on earth would you wear a "beanie" in a state with no helmet law?
I understand wearing a full-face helmet. I understand wearing the half-face helmets favored by some Harley riders. I understand wearing no helmet at all. But why on earth would you put a silly plastic hat on your head that offers roughly the same protection as a doo-rag but without the fashion statement?
A friend of mine who is a former motorcycle road racer has the best explanation: Because their wives/girlfriends make them wear it.
As for being told what to do, I don't much care for paying for the long-term care of motorcyclists with closed-head injuries. But I do so every time I pay my auto insurance policy.
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