Honestly, how often do you bang your head hard into a wall/floor? Sure, I'm a tall guy, roughly 200cm, and I sometimes bang my head in a overhead doorstock. But that is typically some old cottage or similar, where I would probably not bring a XR headset anyway.
I was taking while being tired from exercise. While skiing biking etc often. While doing vr, I've broken a monitor and gone through a wall and broken several controllers. While just waking around I forgot my shed had a low door and clipped my head last week first time in years. That's why I wear a effing helmet. You're blind on your stationary bike and pop off wrong. Done. Foot stays clipped in, faceplant.