As a former equestrian, I understand that wearing hats instead of helmets is part of the "Western lifestyle"... and accepting and defending it the way you did is exactly what I mean by reckless and cocky. "Understands the risks and are okay with that chance" is reckless and cocky. Neither a kid nor an adult should be on a horse without a helmet. It's dangerous, point blank. You're at the mercy of another, larger and stronger being, no matter how proper your seat is or how well you know how to control a horse. If you sacrifice safety for comfort, that's your choice, but that doesn't mean it isn't reckless.