I wear the budget-priced HJC CL-15 too. I got it for about $80 a year or two ago after having previously owned an AC-11 (HJC’s high-end helmet at the time).
Having researched the subject prior to my purchase, I believe that the CL-15 would protect my head in a crash as well as anything else on the market; at any price.
The only reasons I can see for buying a more expensive helmet would be:
(a) Improved comfort (maybe, although I’ve no complaints).
(b) Reduced wind noise (although I always wear ear plugs anyway).
(c) Better venting.
(d) Fancy designs (I couldn’t care less).
(e) Bragging rights (mine’s more expensive than yours).
If (e) means a lot to you, you can buy a set of Shoei stickers for your helmet for a few dollars I’m told.
There’s a Pinlock equipped visor and insert available for the CL-15 which stops visor fogging (100%).