I know what you mean about spending a lot of money.
Check this out- for under $100 you can get a very good helmet from
Z1R helmet Motorcyclist magazine did a great article about DOD & SNELL helmets. The Z1R did better then the big dollar helmets- and you can find them for under $100
Check it out here:
Blowing the lid off
Leave your HJC for the snow and get a proper helmet. Thats my two cents.
Ride safe!
~Randy DTFR