I definitely worry about that. I have different categories for my knives, as I'm sure many here do. They are as follows:
1. Safe queens. Never carried or used
2. Pocket jewelry. Will carry and open letters
3. Users. Will use and cut most things. No abuse.
4. Fallback knives. Beaters. Don't care if they break.
Each category is generally less expensive than the last, but there are occasionally exceptions. I have one Hinderer beater, and I cherish that knife above all others because it has been through absolute hell and still functions flawlessly. I trade, buy, and sell A LOT. I have to keep them categorized this way so that I can maintain my "fix" with new and different knives. If you really love a knife, your love for it will only grow with use. But choose wisely