Two things to consider when choosing a helmet (there are heaps more, but two that I will mention):
1) The helmet will not feel like it does in the shop for very long. Your head will over time shape the helmet's padding, and it will become perfect for YOUR head. Anyone else who puts it on will wonder how you can wear the thing!
2) Helmets are a 'perishable' item. You will do well to replace your helmet every two or three years, unless of course you have a fall while wearing your helmet (in which case, you're off to the shop for a newbie! Even if you drop your helmet on your way out of the shop, best advice is to turn right back around and fork out for another!)
With point number two in mind, the less you can get away with spending on a helmet, the smarter you will appear to family and friends! In Australia, there is one safety standard. That is to say I can spend $179 on a helmet, and it will safe my noggin as much as a $1400 helmet will. I don't know what the safety requirements are where you're at, but this would be worth checking out before purchasing.
As for the visors, these are replacable on all helmets as far as I know. They need to be, because they can be damaged without compromising the integrity of the helmet. It would be mighty annoying if you just spend $747 on a helmet only to find out after you've scratched the visor with your keys that you need a whole new helmet!
It's just not the case. You can change the visors as often as you change your clothes.
You'll have to speak up... I'm wearing a towel.