When I go to a festival jam, or a party, I take an instrument that I could walk into any decent music store and replace at any time. Even so, I try to be careful whom I lend it to.I have other instruments that nobody touches except me or people whom I know to be better players than I am (which is a very large group) and sober, not on any drug, and emotionally reasonably stable (which cuts the size of the group down considerably).
Peter.