That is why I chose a WR camera body (K-7). To be able to deal with many rugged conditions without having to worry. Like you, I want to make the best shots and I am prepared to take some 'calculated risks'. This is how I have been getting my most interesting shots, and I do not regret it. (Let me add that I did not damage any camera in last 10 years.)
Off course, I always clean my camera and lenses afterwards. TLC is essential. (TLC = Tender, Love and Care.)
Another thing to remember is to never, ever swap lenses under dirty conditions (dusty, wet, damp, ...).
I love the K-7 for its rugged, solid body and WR.... That is why I chose Pentax ahead of Canon.