I realize the differences in body build (20D/30D being that magnesium or whatever it is, XT is plastic isn't it?). Picking up one of the above soon and wondering if the protection plan is worth it. Just how fragile are DSLR cameras? I don't intend on throwing it around (that much money, it'll be duct-taped to my hand) but there's always the possibility of an accidental bump against something. Also curious how sensitive they are to heat/cold, condensation, and small amounts of moisture. Will probably be shooting a lot in the winter and the transition between cold outdoors and a warm vehicle is bound to produce some condensation (unless there's a foolproof way around it). Thinking about picking up the camera from a local ritz so I can put it on the 10 month no interest plan, but really not overly anxious to pay nearly $300/year for the coverage plan, especially if it's not really worth it. Granted it covers cleaning too, but still. Have a similar plan on my laptop but that goes everywhere with me.