My tools almost always come with an accessory, me. I will very rarely let somebody use them, and for power tools that I actually care for, it pretty much is Buckley’s chance. About the only tools I am not worried about are the less than perfect hammers, as there is pretty much little aside from break them you can do, and I can fix that. Only one friend I have no worries with, as he generally is good at looking after them.
Builders no bleeding way, they treat every thing as one of 2 categories, either it is a chisel or prybar, or a hammer. Seeing what they have both at times, and the stuff is well used as well, even if it was bought that morning.
Multimeters no worry, I have some DT830's that are perfect for that, and I also include in the back, inside the case, a pack of replacement 3A15 fuses as well. Break them and no worry, I blew one up testing a neon sign transformer, as the battery was bad, the switch was wonky and the case was well worn.