x2 on helmet with earflaps. A buddy has done this multiple times, he won't even wake surf without his now. Had another guy take a header on a slalom ski with the same result. He hasn't gone without borrowing that helmet since. Just be sure it's for water activities, I've heard horror stories of bike helmets catching water and injuring necks.
Plus, it makes you look like you're about to do something much more entertaining.
I spent most of my money on booze, broads and boats. The rest I wasted. - Elmore Leonard