Is it ok to ride my bike without a helmet around my neighbourhood (not too many cars and no major intersections)?
No, even a minor accident can cause major brain damage. Always wear your helmet.
Think of your mom.
Absolutely OK---or at least until your skull makes contact with the curb.
After that, you may have to wait for the prognosis---if you ever wake up that is.
Anytime I went flying off my bike there was never a car around. Thankfully I never hit my head but I have had my hands shredded when I used them to break my fall. So wear your helmet!