Camera buy already don't think so much. Use it fullest.
I had used my camera during the peroid of sandstorm in Beijing, bring it to kelong in malaysia, use at night when fishing in boat, to the -7 degree or so in europe plus the suffering inside my motorcycle box under hot sun and vibration for long distance journey out of sg.
To me is, since I bought it...use it! Think so much will restrict yourself. Of cos, not forgetting to take precaution when possible.
Plan your activities carefully. When I went to Bintan with my gf, I bought 2 cameras... a DSLR and a PnS. For beach activities when I foresee myself going into water, playing etc, just bring along PnS. For other things, then bring DSLR. Good planning can save you a bit of hassle!