Interesting discussion. I don't baby my bags, but I try to be careful. If I get a scratch here and there...it hurts, but hey...it happens. Here's where I am:
Twillies and charms: I use them because I like the look, not for purposes of protecting the handles
Inserts: This I do use to protect the inside of my bags. When I got my first Chanel, I saw a pic of a jumbo with scratches all over the inside and it did not look appealing to me. I immediately got a pouch for my keys to avoid that.
Raincovers: I should carry these with me. I don't but I think I will start. I have gotten caught in the rain with my bags, and guess what? They all have been just fine
Plastic on HW: comes off as soon as I remember to. I love the look of the shiny HW and the plastic prevents that
Bag on the floor: never! Not because of protecting it, but because I'm superstitious and where I'm from there's a saying that putting your bag on the floor makes you loose money (I know I sound insane lol)
To each their own...you gotta do what works for you.
Twillies and charms: I use them because I like the look, not for purposes of protecting the handles
Inserts: This I do use to protect the inside of my bags. When I got my first Chanel, I saw a pic of a jumbo with scratches all over the inside and it did not look appealing to me. I immediately got a pouch for my keys to avoid that.
Raincovers: I should carry these with me. I don't but I think I will start. I have gotten caught in the rain with my bags, and guess what? They all have been just fine

Plastic on HW: comes off as soon as I remember to. I love the look of the shiny HW and the plastic prevents that
Bag on the floor: never! Not because of protecting it, but because I'm superstitious and where I'm from there's a saying that putting your bag on the floor makes you loose money (I know I sound insane lol)
To each their own...you gotta do what works for you.