If you are worried about banging or knocking your camera then either don’t take your expensive digital camera with you up the mountain (but a cheap, used, film SLR instead) or get a good insurance deal. A colleague at work warned that a friend of hers had a car accident in a car park – someone went into the back of him – which dented his rear bumper and knocked the chip out of alignment in his camera (which was apparently secure in a Billingham). Sometimes you just cannot pad your camera up enough…
New professional digital cameras are not like the old professional film cameras (the Nikon F3 could be used to literally bang nails in a wall!) so the amateur bodies will be that much more flimsy again. If you use the camera in an unsteady environment then expect some repair bills.
Have to point out that the all-in-one digicam would go from wide to narrow on the zoom and have a flash, but for a digiSLR you’d need to buy the appropriate lenses and flash – at an additional cost. And the good lenses cost good money, of course.

Flood.