» Tue Jun 12, 2012 6:39 pm
My personal experience with the game has been that it's closer to Fable 2/Fallout 3/NV than it was in Morrowind or even Oblvion.
In Obliv/Morrow if you didn't armor up all the time, you were severely punished for it.
I play in third-person unless I'm in a dungeon, so I see my character a lot and grow quite attached to them, so I try to keep my helmet off as much as I can.
For most characters I play in Skyrim, I take my helmet off in towns (Unless roleplaying demands otherwise), and tend to keep it off until right before I enter a dungeon.
There just doesn't seem to be that much of a penalty for not wearing one, which I love.