Crashing sucks, but it happens. Motorcycles are more risky and less stable than cars, but it's that risk that binds us together. It's also that risk that raises the likelihood of a daily rider eventually getting the rubber off the road to a virtual certainty. So what can you do to ensure that you're covered when things go wrong? Make sure you're properly geared up, or as the internet says: ATGATT (all the gear all the time).
What you're looking at above is a visual representation of areas on the helmet affected by a crash. If you wear a 3/4 helmet and think you're covered, this image should scare you. It shows that the vast majority of impact goes to the chin, a section that many riders, especially cruiser riders, leave uncovered.
It should also be noted that certain helmets like the Biltwell Gringo and Simpson M50 are DOT rated at 3/4 helmets, not as full-face lids.
Now I'm not going to tell you what to do. I'll just put the facts right here and let you read into them how you want. That's one of the perks of riding motorcycles-- most of the time you'll only harm yourself.