If you want to protect yourself get a non-modular, real full face helmet. When you go up in price you are buying lighter weight shell material, better interior materials (comfort not safety) and graphics.
I once found a top of the line, carbon fiber shell, AGV racing helmet...around $800 retail (not what I paid, it was on blow out sale) and I would not trust it anymore or less than my old, much cheaper HJC brand that was made from polycarbonate. The AGV was better vented and the interior lasted a little longer.
If the Bilt fits correctly (the most important) and does not feel heavy to you, you are well protected.
I keep my helmets longer than 5 years. Usually until the interior starts to fall apart. If you keep the helmet out of the heat and sun except when using it, the shell will last forever and the polystyrene foam almost as long. Both my current helmets, a Shoei RF1100 and the AGV GP-tech have hit the ground with my head in them, they both have fallen off my handlebars too and I am still using them. Yes, I pulled the interiors and inspected them both, no I did not need to throw them away.
"If its not broke yet, it can still be fixed"