If I ever lost my collection, I'd be upset, but I can almost guarantee that I would not pick it back up again. Sometimes it sickens me to think of all of the money I wasted on comics, cards, and toys over the years.
I'm currently trying to unload a huge amount of stuff as I'm getting married and my fiancee and I eventually want to get a house. I got rid of almost all of my cards back in the late '90s and ended up taking a bath on them
I have a massive comicbook collection that guides for over $100,000.00. I picked out less than 4,000 books that decided I wanted to keep (I have EVERY Star Wars comic published in the US, almost every single appearance of Swamp Thing, every single appearance of the modern Starman, every silver-age and above Spectre appearance, etc.) but haven't even been able to move the remaining 16,000+ books (all "valuable" books) at $10,000.00. Nor at $5,000. Nor even at the $2,500 I'm currently asking

As for toys, I only really have Star Wars and any compatible figures, all loose and almost all customized. Practically worthless aside from the work that went into creating them.
If I was to loose them, not really a big deal in the long run. As long as no one I loved was injured/killed in the hypothetical disaster that claimed my collection, I'd get over it.