Odot, if you were on ATV patrol w/ the SAVE team would you say anything to an ADULT UTV operator that was wearing a ball cap under his "beanie" helmet? Looked as bad as kids that wear a hat under the bike helmets. I don't think that is safe. I know guys have complained about having the police check their helmet straps.
I'm not sure what you guys have noticed, but IMO a lot of ATV riders seem to go the bare minimum when it comes to helmets. I've had ATVs since the early 80s & have always worn a MX style helmet & goggles when riding.
A few years ago a friend of mine got stung in the face while riding his motorcycle on a bike trip. Seeing a pic afterwards, he looked like Chuck Wepner after his fight w/ Ali.