its not like that dear..
Ur head/ skull is desgned maximum maximum only to take impact at speeds which ur feet can manage! Even then there are severe chances of concussion, internal bleeding, brain hamarge etc... So whats max. speed that ur head can handle? hardly 10-15Km/hr... So dont think 40, 50,60 or 95 are not high speeds..!
^^ That was first thing...
Second is...
At 200Km/hr if u fall, surviving would be a miracle only... no helmet can save ur head at an impact speed that high!
Yes i agree.. that we can also do well with 5,000 -6,000rs helmets IF they are of a good brand and have PASSED SOME local tests... However, never think that those expensice helmets are only for high speed bikes.... for ur head, every speed is high speed!!
If u doubt, then consider banging ur head against the wall at full speed 