WOW! You got my attention. 95+ in a 210 Baja? What are you pushing it with?
I have been thinking a lot lately about this question. My boat currently does about 80 but I will be putting a Whipple on it shortly and will be looking at speeds close to where you are. I already have external hydraulic steering, a kill switch lanyard which I [almost] always wear when the boat is underway, and I am in the habit of wearing a life vest on high speed runs under any but perfect conditions. The older I get the more fond of living I become. Now I need to decide if the benefits of helmets would outweigh the disadvantages. If I am thrown out of the boat the helmet could be a great advantage. If I stuff the boat it could be just as great a liabillty causing me to break me neck.
Good topic. I will be interested to see others opinions.