Odds vs stakes argument, kinda. Is it perfect? no. Should you do something? probably.
In personal protective gear, you have ballistic helmets. They don't cover the face. They often have cutouts around your ears. They don't cover your neck. They can generally stop a low velocity handgun round, and anything more energetic except a glancing rifle round is usually going right through. Even if it doesn't penetrate, backface deformation may be lethal. They're still generally worn as the only game in town.
In personal protective gear, you have ballistic helmets. They don't cover the face. They often have cutouts around your ears. They don't cover your neck. They can generally stop a low velocity handgun round, and anything more energetic except a glancing rifle round is usually going right through. Even if it doesn't penetrate, backface deformation may be lethal. They're still generally worn as the only game in town.