Photography is a really expensive hobby and/or profession. The cost of cameras, lenses, filters, bags, etc. all add up very quickly. And while it's important to be careful to protect all that pricey and fragile equipment, it's just as important not to go so far as to miss shots because of it.
I found this latest video from Thomas Heaton to be really on the mark. When I was first starting out, I went to extremes to protect my gear, probably spending more time cleaning it than actually shooting with it. If there was so much as a drizzle, I didn't shoot. And while my gear was in immaculate condition, I was missing out on a lot of good shots. The truth is (at least for landscape photographers, toward whom this video is oriented), some of the most interesting subject matter is found in conditions that might place your gear at risk. And while there's a difference between taking a calculated risk and being irresponsible, a lot of us tend to err on the side of being overly conservative. Be reasonable and take care of your gear, but make sure you're also using it for what it was meant to do: taking pictures.