6. Now, what your #1, can't survive without it, lens?
May I ask what's yours?
I'd take the most expensive lens as it costs the most to replace the most expensive one unless it is some exotic lens that has been out of production for years.
Well since insurance isn't going to pay off for days if not weeks then I would want to spare something versatile. Might not be the most expensive but the 24-105 might be the one!