You're right - probably a bit harsh on the padding. I know there is some very good padding out there, but to put it into perspective, look at the maths:
Say you crash at 100km/h, and you have 25mm of padding covering the bar. By the time your head reaches the padding, it's slowed to 60km/h (for argument's sake). For the padding to stop your head before it hits the solid steel, it would need to apply an average force of 4 tonnes to your head
!!
Of course we know that even the hardest padding will compress with less than 50kg of force. This means that your head will only slow down from 60km/h to 59.8km/h before impacting with the cage.
The thing about a helmet is not that it will resist the 4 tonnes force, but it puts a bigger buffer between you and something solid, and it absorbs much of the energy. So, while your helmet is self destructing as the roll cage bar tries to go through it, it's dissipating enough energy to stop your skull from being crushed.
Make no mistake about it. The padding will not protect your bare head in a big impact. It's only there to help spread the force into your helmet, or protect you from bumping your head getting in and out of the car.
Having said all that, you're right - there are plenty of other things in a 1600 that can maim you in an accident. If you keep yourself well restrained in the car, you give yourself the best fighting chance despite all the "
my uncle rolled his car when he was 17, and the only thing that saved him was because he wasn't wwearing a seat belt. He got thrown out of the car just before it rolled down a cliff and exploded into a fireball stories you hear