For me, I guess it really depends on whether it's an instrument I intend to keep forever (e.g. the Martin D28 that I have had since I was 16 y.o.) or one I think I may want to sell in order to upgrade.
For a klutz like me, the reality is... if I play a lot and really enjoy the instrument, it WILL get marks. If I'm lucky, each mark will also represent a fond memory...
Otter OM #1
Brian Dean OM #32
Old Wave Mandola #372
Phoenix Neoclassical #256
If you're gonna walk on thin ice, you might as well dance!