I've seen all sorts - accounts of mountains and torrential rivers... insurmountable obstacle courses to get to a scene... Then in the end you try it for yourself and you look at the words and laugh. It's Singapore! How bad could it be? Sometimes you'd be surprised that your own standards can differ quite a bit from what most people think is risky.
No doubt the Pentax K20D build quality is good, I have used it myself before. But I would like to also point out that there are risks, and there are risks. Making an uncalculated risky move is silly; making a calculated risky move to get a shot is smart. For example, jumping into a tiger enclosure at the Singapore Zoo and hitting the napping tiger there with your camera is risky, but probably won't give you very good results (for you, or your camera). As opposed to extending the camera on a tripod out into open space and triggering it via remote to get a clearer view (due to recessed views that are so common in Singapore).
So here you seem to hint that you know what caused the problem, and it is the risk you take for an image. Earlier you claim that you don't know what caused the problem - so which is it?
I hope you don't get me wrong here, but could I enquire on the purpose of this thread beyond what seems so far to be self-glorification? (i.e. "I'm a pro. I take risks!")