What and when was your major gear breakdown experience?
I ask this because I had 2 within a week!
My Canon 24-70mm f2.8 short circuited last Thursday.
My 40D shutter broke down after only 13,000 actuations (it was a back-up) during a gala dinner ball at the Art Gallery of NSW. I had a 5D as main camera, but to know in the back of your mind you only had ONE camera remaining is quite unsettling.