It's not so much dollars as it is the time and passion we have into them.
I have so mich work and time into mine that I don't want it to be taken from me. I spent an entire summer pretty much on my back redoing the underside,
suspension, brakes, AOD-to-t5 swap that every weekend was spent under the car. It even resulted in a minor trip to the emergency room. I have hours and hours of passionate work into it.
If some punk decided they wanted to take it for a ride and total it for a cheap thrill, I would be devastated. Insurance may pay me for the car, but it will never repay the time I invested in it.
Needless to say...if you mess with my car...I will hurt somebody