I'm also haircut averse.
I put it off until it starts looking untidy, then continue putting it off until my wife starts hinting that I ought to get a haircut, then continue putting it off until I think maybe I'll just start having long hair.
Then one day I wake up, and decide maybe I should get a cut. So I suffer the burden of having to actively decide what my hair should look like. And generally I'm pretty happy with the results. And I think, I should do this more often. And then the cycle repeats.
As a young taco enthusiast once asked - - porque no los dos?
It's not a binary issue - - you could address both sides of the problem. Do more to reduce the likelihood of accidents, but also minimise the damage done by accidents. Since there's no magic on/off switch for car accidents, while we figure out the right settings to reduce them, maybe it's wise to use strategies that minimise the damage done by them.