I think I have to disagree with you slowp. It's not BS. When you drop $500+ on a quality tool that provides for you (heat for my home), I'm not lending it out. I'll come over and help out, but I'm running my saw. Even a cheap, backup saw has a purpose - Be available in the event of the primary saw going down.
Too many times, I watched my dad lend out tools to his skilled nephews only to see them returned in horrible condition. These were guys that used tools for a living and took care of their own, but everytime they returned them they would be abused. Dad would end up spending his time to repair or clean what they messed up. Finally he said no more and I have to agree with him. I know that isn't always how it happens, but I learned a lesson that not everyone cares about your equipment like you do.
Well, I guess I just have some really good friends. My gun comes back cleaned and oiled, my dog comes back happy, and I wouldn't hesitate to loan out my 440 to those friends. Or old Sparkless, or my pickup, etc. Plus, I'd loan out my saw to some of my neighbors, who are not that good of friends. They sure know more about running them than I. They'd also be a lot quicker to get a tree cut up in the neighborhood than I would.