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Some people in some airports manage to break a Pelicase...
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I rather pay the price for excess baggage than be worried the whole trip about my expensive gear and i find 50$ is not soo much considering that inside the case are about 4000$ of gear.
Chris
The excess baggage is not insurance, it is a weight charge. The contents are uninsured if they are photographic items, laptops, jewelry. If broken or rifled, your loss, by international agreement. You can cover them with a rider on homeowners or renters insurance. But without that, you are out of luck.
If you travel through some airports, the baggage handlers steal stuff. Nigeria is famous for things getting "lost", but some airports in Asia have that problem.
So, take your camera and expensive stuff as carry on. Check the housing etc. Get a rider for your baggage.