>>441993Not all the time, but yes.
Almost always have a smaller "bridge camera" along though; doesn't need as many accessories, and ... well, I bought it for $60 on ebay. Not gonna be too heartbroken if I do crash and destroy it.
Got a small padded case for it, just big enoguh for the camera and some little items (remote, spare battery, filter or two).
They're tougher than you'd think. Obviously don't want to drop it, but a little bit of water isn't going to destroy it.
The lenses are more delicate than the body itself is. If you get a sealed lens ($$$, but much more durable) they're far more rugged than a zoom lens that "breathes" as you zoom in/out. Less chance of compressing/shocking the mechanics in a sealed lens.