Taking the risks is what gets you the great shot.
Don’t be afraid to get your camera a little dirty or a little bit wet. Most DSLR cameras are designed to withstand a little but of dirt or water. Heck it’s equipment designed to be outside.
What I mean is don’t be afraid to get the shot. If you need to risk your camera in a situation that may damage it or destroy it then take the calculated risk to get the shot. Cameras can be replaced, the unique photo or video can’t.