Only over rated if you dont fall off. Wear what you want, I dont care. But it's a bitch ending up on your hands and knees at 60 mph.
For the most part I wont say it's over rated, I will say it's your own business what risk you wish to take. Had a guy tell me my open face helmet was unsafe once, he was smoking a cig in his power ranger git up at the time.
My Father was my maker. Poverty was my maker. Distrust was my maker. I have met them all my life.