Its all a matter of how much you like living and keeping yourself in one piece.
Racing is very dangerous. A canopy reduces the risks greatly.
I don't think I would be alive today if Mr T didn't have a canopy as the boat rolled over on my side and a neck injury would have been the least of my problems.
Frankly speaking, if you don't race, your not qualified to give your opinion on this issue because it's a personal choice. As more people get hurt, more canopies will be installed. Remember it was the unlimited boats that lost drivers left and right that finally brought F16 canopies to race boats.
This is a desicion that you may only get to make once in your life. Make the right choice.