I say just pay it and move on. The points, if any, won't be there forever. I have been through the same thing when I was younger.
I def was not calling you stupid. I am sorry if you took my post that way. That being said, I would never sell my wife,family, or friends short by not wearing the required gear. Stunting will never happen, I promise you that. In moderation, yes I do speed. After losing my cousin to a high speed motorcycle crash and having to postpone my wedding so everyone could attend his funeral, I have become a lot less likely to speed in general, regardless of the vehicle.
I guess my bottom line to you is, when you disobey the law and get caught, man up and take responsibility for what you did. Above all, take safety seriously, the alternative can literally be fatal.