Losing a pistol (temporarily or otherwise) after using it for self-defense is the least of my worries. I'm a lot more concerned about having the best tool for the job available when I need it. If it needs replacing after I need it, I'll find a way.
It's kind of like people who spend their life using crappy truck stop knives, but they have a Sebenza in a safe deposit box because they don't want to lose it. That's a choice they make, but it doesn't make a lot of sense to me.