The question is confusing. I assume that you have guns because you want and/or need them for some purpose. Therefore, if they're stolen/destroyed, why would you NOT immediately replace them? Beyond the deductible (any sane person has insurance), what would be the cost? I just can't imagine why anyone would answer "Nah, they were fun while they lasted but I'm over it."
Still happily answering to the call-sign Peetza.
The problem, as you so eloquently put it, is choice.
He is no fool who gives what he can not keep to gain what he can not lose.
-Jim Eliott, paraphrasing Philip Henry.