helmet + clothes - helmet or hat?

Yeah. Wear a helmet.

The laws in Australia are consistent.

It’s a $50 minimum fine if caught. Unless your charm works.

So at least wear it in the towns and cities. Set an example for the kiddies.

Police aren’t heavy handed out there. They will generally ignore a bike tourer. Being without a helmet gives them an excuse. But you sense giving a ticket to a cyclist would be more of an embarrassment with their buddies.

Once out on the road at least wear a hat. Australia’s been big on skin cancer awareness in recent years.

Some risks aren’t worth taking.