Regarding "You break it you bought it", consideration needs to be given to wear and tear too: club gear running more extreme rivers will result in a greater rate of gear damage. Whilst this is inevitable to a certain extent, people are less likely to report -say- a heavy impact to a club helmet than they are a hole in a boat. Members borrowing club gear for more difficult rivers would need to be conscientious about reporting all damage, not just if they holed a boat.