The deal gentlemen is, it's Water Resistant, not water proof. I lost my first zoom lens to fungus. This was 30 years ago but at that time lenses were held in place by cardboard. There would be your tree mentioned above. I'm assuming because I don't know any better that plastic is all the rage these days, but, when I took this lens to my local camera repair guy, he said, once it has mold inside, it's toast. You can take them apart and repack them, but they are never the same. So you can take my 30 year old advice and do with it what you want. Once again, I'd be happy if someone comes on and says things are different now.
As for moisture and lenses, a guy on here recently went on about how his lens was still working after being out in bad weather. Well, it's not right after the bad weather you have to worry. It's after the mold has time to grow. My little colony wasn't visible until 3 months after the trip that killed it. Once that little bit of moisture gets inside, your lens is going to die. It's pretty much as simple as that.
SO as a canoe tripping bad weather kind of guy I've got a few words of advice." Optio W90".Waterproof, dustproof, shock proof , small and unobtrusive. ANd a few more words.... "Pelican Case." When the weather is bad, seal it up in a weather proof container. I can throw my pelican case off the side of my canoe, keep it outside the tent during thunderstorms, it doesn't matter. No matter what happens no water is going to get at my equipment. Thinking a plastic baggy was going to do the trick cost me my first digital camera. My rule is, if the weather is even moist, the camera goes in the case. If I do see a shot I have to have, it comes out briefly, then it gets inspected briefly for water spots on the barrel, fully extended, dried thoroughly, and then put back in the case.
If you're smart, you'll think of your WR lens the same way you think of your non-WR lenses. Think of them as subject to water damage, but with a better chance of survival than your normal lens. That's what you're paying for. But bottom line, lenses and water don't mix. Any time they come together there's risk. If you really have to shoot in the wet, and you can't take the easy way out, ( Optio W90) buy one of those water tight things the divers use. You have lots of choices. Exposing your WR lenses to water for more than a few seconds shouldn't be one of them.
Pelican Cases
See the orange box by my chair? That's got K100D, a 16-55 and a 70-300 in it, and it makes a great table or seat in a pinch. In this case my bear proof food barrel is sitting on it , because I was rummaging for a snack. But the picture was taken witn an Optio W10 (stolen from a launch point last summer). Because 90% of the time that's what I shoot with from my boat. If you can afford a DSLR, you can afford a pelican case to keep it dry.