Well... once you acquire a gun, there are two possible outcomes. Actually three if 'passing it down' means something to you. I have no kids, so that one doesn't count here.
Either you are going to sell it someday, or you are going to die owning it.
If you end up selling it, that means it didn't mean anything to you anyway and it was simply an investment. If you don't shoot it, all you get to do is look at it.... and fret about how much money you have 'in to it'... when in fact that money is spent, as in gone, and recovering it someday is a matter of conjecture.
I don't have that worry, since I don't buy guns as investments.
While I try to be careful,there is hazard everywhere and guns get signs of use when used. Yesterday, I got a target chip in the buttstock of my trap doubles gun. Crazy Quail was the game, and it just happens. There is no preventing it.
Shoot it and enjoy it, or insure it and fret...