If someone isn't responsible enough to care for their gear, I really don't want to hunt with them. To my thinking, being responsible is a sign of maturity. No way I'm saying you need to baby stuff, just be smart. As for what type of loaner.... I've loaned out 2 real good '06's that I've hunted often. 2 of our boys used em, and now seem to have inherited them "early". One is even a nice Pre64 Model 70. My advice is to be careful who you loan them to, especially if they are kids who love to hunt. ;-)
