It does seem a pretty massive assumption that all the gear will be laid on without even asking. It's a good job I will probably do all the lending, as I know of many on here who have stated that they would not, and I totally understand why! I'm normally easy going, but this has even got me slightly peeved!
My drummer, on the other hand, may turn a bit pissy if he thinks he's being taken for a ride (or a crash!), as he doesn't have the means to replace his gear as readily as I.