Details? But would you rather look cool or lose any eye then crash and get seriously hurt?
I do this too when I'm in the city but after many years of riding 4 wheelers with no helmet or eye pro I know what its like to be hit by a small insect (june bugs) while going 40+ mph. I've taken a many of smaller insects, like love bugs, in my eye...doesn't feel good at all.
But what I was getting to was I ride with my visor all the way if I'm going slow, like 20 or less and then lower it to just where it doesn't cover my eyes and if I need to I'll just lower my head a tad to cover my eyes.
You think its a dumb rule until you see why they have it.
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