Fla repealed their helmet laws several years ago with the provision that you must carry a health insurance policy that provides a minimum of $10,000 coverage specifically for a motorcycle accident. If you get stopped for a license and insurance check and can't provide proof of the required insurance its like Monopoly, "Go Directly To Jail, Do Not Pass GO, Do Not Collect $200".
I live on the GA side of the FL/GA border and it always amazes me seeing people riding down the interstate, cross over into FL and pull onto the shoulder of the rode to take off their helmet and tied to the seat behind them. Really? You can't just wait until you get to where you are going?
JMHO - You don't wear the gear, you deserve the consequences.