rook2c4 wrote:
I'd say, stop scratching your lenses! I never scratch mine; It's not hard to do. Simply keep a lens cap or a lens hood on between shooting. Don't wipe your lens with a cloth that contains sand grains. Be smart about handling your camera, and never drop it onto the pavement.
I had the same thought with regard to collision insurance on my car. I'm going to stop getting into accidents.... :)