i dont lend my tools,i need them for work. I am happy to go with my tools and lend a hand, the only exception to this would be my father in law i know he will look after my tools and get them back as soon as possible.
If i borrow any tools i make sure they go back in as good as or better condition than when i borrowed them. (borrowed a chainsaw and sent it back with the oil and fuel i purchased to use in it,or the mig welder i borrowed i bought an extra roll of wire and some tips and they went back to the owner of the mig)

too many times in the past i have been ripped of with lending out tools.