Musky,
Sometimes experience is the best teacher:
In thirty years of working forestry, logging, and arboriculture. I have witnessed the following:
leg, arm, hand injuries due to chainsaws; 16 people resulting in stitches.
head, neck injuries; 6 - 5 fatal, one parapelgic.
Unfortunately one of the fatals I mentioned above did have a hard hat on while falling, but he was bent over looking down exposing the back of his head and neck. The branch entered the back of his head and pierced completely through his neck.
Both safety items will minimize injury. But by far -----head protection is of the highest priority.
Get a hard hat, even if you have to go to goodwill or a garage sale to find one you can afford. !! Or better yet send your address to Mark for his offer.