Ahhhh. You know, I think I read about that and how I got over my fear was by going down to the local Kits cameras. I don't purchase equipment there, but they do know a lot about cameras, so I try to buy my accessories, film and prints from them.
They said that if the CCD gets dusty (which could happen if you change lenses in a dirty enviornment, or don't keep your lenses protected)...they do have ways to clean it, and it is expensive.
I pretty much leave my lens on there all the time now anyway. I bought the Canon 17-85 Image Stabilzer lens, which does pretty much all the types of shots I want to do. I barely use my long lens anymore, and I'm going to sell the short one I had.