One thing folks might want to think about it that carry gun, if ever used is going to be placed into evidence and will probably be marked with markings in reference to the case. You will probably get the gun back, but it will be awhile usually and it will sit in an evidence locker in what will probably be not the best of conditions. Putting large amounts into a daily carry is fine if you are comfortable with that. I am not saying at all to buy cheap when your life depends on it, but carrying a decked out 1911 engraved or fancy grips, will almost without a doubt not look like you would like when it comes out of evidence in a year or two.
To me this is a giant "meh."
First, if I, God forbid, had to use the weapon in self defense I just don't think it would be that big of a concern that the weapon was damaged or even lost. Even a very expensive gun is small potatoes in the grand scheme of that scenario. Considering in my location people pay experienced attorneys $5K+ on misdemeanor cases what do you think you are going to shell out for an attorney on a shooting? It might well be wise to have counsel even on a righteous shoot. Also if that expensive gun is what I feel is the best tool for the job (not saying I personally think an expensive gun is per se a better defensive weapon, very often they might not be) then its money wells spent even if I never saw the thing again.
Second, my experience with the police storing evidence is that it is not handled nearly as roughly as internet forums would suggest. Not to say something couldn't be damaged but like most things discussed on gun forums I think this is often blown out of proportion by people with little to no direct experience.
Most guns that are carried daily tend to have character anyway. If its my carry gun it will probably go to training classes, have holster wear, get bumped and banged into things, and experience the general wear and tear of daily carry. Heck, I have one that got some extra character when I was thrown from a horse and made a less than graceful landing on a bunch of rocks. Again in the big scheme of things a few extra dings just wouldn't really be that big of a concern.
Now if it is an heirloom, has particular sentimental value, is otherwise irreplaceable for one reason or another, I can see that. However, I'd be disinclined to daily carry such a gun anyways. If it is going to break your heart to ding up a $2.5K Wilson then you probably ought not carry it anyways. If you are like the gentleman shooting next to me at a pistol class awhile ago and don't bat an eye at having to put in on the cement and flip it over and scoop it up during drills then you probably aren't super worried about it. Of course, if you are like a guy next to him and shooting a $375 police trade in Glock just as well or better on every drill you might question the purchase of a $2.5K pistol.