[Cobra Lite]

You said it Buzz!

And you put it in a very clear way.
The roll bar is more dangerous to have, than not have...
In typical street driving without a helmet.

Padding and a proper seat with headrest, while not looking as good, will save your thinking ability in most mild accidents, not to mention paralysis from a broken neck.

I also ride bikes so we do our best, drive or ride as if we are invisible, and recognize the danger we are in at all times. And still enjoy it!

Hmmmm, there might be a market for a well designed (strong!) padded headrest that mounts to the rollbar securely but is easy to remove in seconds when the car is not actually being driven.