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I've heard stories of people with the chin strap getting there noses ripped off in certain types of crashes, and other things. Personally, I don't bother with one on a bicycle, or on a motorcycle...when I get one. If you've GOT to have one, I'd get a full face, but that's just my opinion.
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Generally speaking, if you were to get what you really deserve, you might be unpleasantly surprised.
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