Maybe I look at the question a little different. Its not so much what the guns worth, its whats my life or the lives of my family worth. You can always get another gun.....not so easy to get another life, or family member.
In the event that you have to use deadly force to stop a threat........once the legal proceedings are over, if found not guilty, you will get your piece back anyway. If not.......your not going to need it anyway!!!
With that said, I carry what I shoot the most accurately, not what I can afford to lose. If you ever are involved in a situation where you have to use deadly force to protect yourself......(and I hope your never are), probably if you will get your gun back from the evidence locker, is way, way down on my list of things to do, to get back to normal.