>>4140235If you have to baby your gear this much, while you may have been able to find the money to purchase it, you cannot truly afford it. If something (not just cameras) is too pricy and nice by your standards to actually use for its intended purpose unreservedly, it is a waste of a tool's potential. If you are unreasonably cautious because you know you couldn't stomach replacing something in the worst case scenario, you will miss many good opportunities where being adventurous is rewarding.
Better to shop for good deals on used bodies and stick to budget lenses and use them to their potential than to only use the best stuff you can convince yourself to buy only upon a blue moon.
Obviously that doesn't mean always shooting in downpours with unsealed kits without a rain cover or whatever, but if you let mild atmospheric variance noid you out, you're limiting yourself far too much.