I have rarely let anyone use my gear.
A couple of times I have let people use my cabs, but only to those I know- as they know what it is they are using and I know they will treat it better than their own.
once I let someone use my old combo, and by the time I needed it as the final band, the speaker had blown, and I was expected to use pathetic ‘monitor’ speakers to play with. Never again.
I’ve even had people show up and ask to borrow a bass for their gig. The incredulity in their faces when I say a firm no is a picture. They’ve tried crying to promoters! If a band is pleasant, and has a problem mid set, I may lend them something, otherwise it’s a firm no.