I used to believe that "ahem, harumph" years ago... but having stepped off a couple of times, and with the assistance of cagers, I've yet to hit my chinbar on the deck, and knowing quite a few couriers, and others, who've hit the ground pretty hard over the years it's astonishing how few beat up the chinbar... it happens, but not that often...
The back of the helmet gets it regularly, the sides quite often, in *fast* (and I mean mostly illegally fast) crashes sometimes the front quarters of the visor... but the chinbar? I struggle to remember when I last saw one with damage.
Also I have to look at the likelihood of me needing a chinbar against the perceived benefits, and tbh unless I'm riding like a berk or doing trackdays the risks simply aren't that high. Particularly as personally I'd be mostly wearing one on dry days when the sun is shining, eg good vision and bags of grip...
Of course if your actually worried about the statistical risk of head injury you shouldn't be getting in your car without a lid (unless it's a very modern one with side airbags etc) as crash for crash the statisticians have alleged car drivers are more likely to suffer head injuries than bikers (look at the proximity of the b pillar, think side impact, and remember that your natural instinct when you fall is to stick your arm out and pull your head away from the impact... something that's harder to do in a tin box, the arm thing is one of the reasons why rally drivers are advised to leave the windows rolled up!!(in addition to aerodynamics))