I look at it as being no different than a helmet.
It's sole purpose is to protect the delicate stuff inside. If you have a crash of any magnitude at all, the helmet has done it's job if the head inside is still intact.
Helmet will gladly be replaced at that point.
Personally, my Givis have survived a couple drops over the last few years, with nothing but very minor cosmetic scuffs, which would have been much worse on the bike without the bars.
Thankfully I haven't had to test them with anything more serious.