it depends on the friend and how close we are. for example, i live with my best friend from high school. we've known each other for almost 15 years. i also know she's clumsy and has a tendency to spill things on herself especially when she's wearing white, but i would still let her borrow my bags. sounds crazy, right?
she understands how obsessive i am about my things: how i want to keep them clean and as pristine as possible. most importantly, she respects that, so i trust her to be careful with my possessions. and, hey, i know accidents happen. thankfully, nothing's happened to my bags yet on the occassions she has borrowed them - knock on wood, but if they did, i wouldn't end our friendship because of it. i value her too much to let a stain on a bag ruin our relationship. in the end, it's just a bag. she's supported be too many times when i've really needed her for me to deny her when she asks if she can borrow my chanel clutch for one night, kwim? that's not to say i would let anyone of my friends borrow my bags.