@rugslap, some bearings, like Rush's $52 downhill bearings are weather/water-proof, however, I still don't recommend riding w/ wet wheels and no helmet, you could easily accidentally slide when turning and take damage. Good find though man! Watch for Garage Security officers though.
@elysian certified helmets are about $50. Medical bills are much, much more. Even while cruising I wear mine, because I tend to carve and pump a lot, and one small mistake or one small pebble can send you flying.