1st off... I'm that guy JAMES warned you about... I'm a collector, & feel proficient with many different weapons...
... however I live a really tame life style in a small community so it's as low risk as nearly anyone...
I cringe at the thought of dropping them on a gravel road etc.
What makes you think you'd do that?
I haven't dropped a gun on a road since I was about 10 years old, when one fell off my bicycle
I was also worried about damaging the gun I carried ( at the time I was carrying a vintage CZ Compact that we inherited from my FIL ) so it had sentimental value, & I' m more of a revolver guy, & often carried antiques for the novelty... I often found myself working around the farm, often doing such physical work, that I could wring out my T shirts several times through out a day, & I've had guns ripped out of holsters that had a snap strap over them before, while doing physical work... so I looked for something reliable, small & easy to carry, corrosion resistant, & over all cheap, in case it got damaged...
I settled on a TCP in 380... & with my lifestyle, my carry gun gets shot at least once a month, but at farm yard varmints like Raccoons or Skunks ( of the 4 legged variety )...
I still much prefer to carry a revolver, as I shoot them better, but I've gotten pretty good with the TCP shooting Raccoons out of trees, or Skunks from a further range than they have
hope you find that you can live with the daily wear ( not abuse ) that carrying your guns will subject them to...
... but you're right, you better buy a couple more