There are many vendors hawking acrylic headlamp protectors for our street bikes. These range from $40 to about $80. While they are correct in their assertion that this is far cheaper than a new assembly, I'm not understanding that these are necessary. I've driven/ridden over a million miles in the past 41 years and never had a broken headlamp/assembly.

Is a motorcycle more likely than a car to suffer a broken headlight/assembly from a thrown stone?

I don't want to be foolish for not buying this "cheap protection." OTOH, I don't want to be stupid for buying protection from a nearly non-existent hazzard.