I mean they are exspensive as all heck, but then again I sometimes loan out LPs to people to borrow for their DJ sets that are worth more than some of my apoclaype sized armies.
im just kind of loose with my marines and tyranids cause I got them for free/cheap. Ide probably not feel as friendly with my eldar or chaos armies. also I cant stress the degree to which I know and chill with all these weirdos, all former bandmates/roomates/co-workers. Ide let someone I knew less borrow an army for a night at a store/event, but not to take home and battle other people, with half my rines and most of my nids I couldnt care less I'de be bummed if they got stolen/destroyed/melted/etc. but as i mentioned I got most of the rines for free and all of the NIDs for some MTG cards my ex-roomate gave to me to settle bill money, you know how that goes.
alsob sort of to add to my thing earlier about not picking up players, what seems to be the most troubling thing to most of the new players I know is the prospect of buying a codex and rulebook. For this reason I frequently trade for and give away DV mini-books