When I had my engine failure I was wearing a helmet, which undoubtedly saved my life.
I didn't realise it at the time, but the impact split my bonedome in two places at the front on both sides. I was spitting out broken teeth and had a gashed chin from the strap - all caused by the impact, as I realised later. But during my ten days in hospital and having lights shone in my eyes at regular intervals there was never any hint that I might be suffering from concussion or anything worse. It was the chest injuries I suffered which interested the doctors.
I was wearing an Alpha helmet, which was replaced with a newer model. They have good whiplash protection too, with a ratchet to tighten up the neck restraint. They aren't cheap, but I don't begrudge what I spent.
An emergency will happen when you least expect it, so give yourself a chance by being sensibly clothed - no fleeces or trainers - and wear what protection you can. It may save your life too.
RD