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How much do you spend on lenses vs camera body?
(sh.itjust.works)
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I wouldn't take it on anything more than class II rapids (ie. no whitewater). We don't get wet on most trips, and that's without trying to keep anything safe and dry (my phone is waterproof). IMO the risk is only slightly higher than walking next to a swimming pool or river with your camera, you could fall in but most likely won't.
But someone else pointed out a $90-100 waterproof case, which is a better option that buying another camera just for this.