There was a guy who destroyed his camera at the beach last December and B&H replaced it. Maybe he had a warranty...
It is a tough call. I have enough money saved, that I could eat a $2,000 replacement expense. I wasn't always in this position, and a $2,000 loss would still hurt. So I am gambling a little that I won't have a problem, and Canon's products are pretty good. I have only had to send in a 85mm f/1.8 because the focus ring stopped working. It was less than a year old though. Everything else is still working well.
