I think key about all devices is that they serve you, not the other way around.

My N900's been with me to the loo, it's been snowboarding with me and I text with it in gentle snowfall outside. The only precaution I've taken is common sense (very thin common sense, though ;P) and a screen protector.

If you're thinking about what is an expensive device for then think about what is money good for? Spendin' !