I no longer lend tools out at all.
If someone really needs to borrow something of mine
I offer to help them do the job. Many pass on the offer?
Too many times I have gotten things back in worse shape then when I left them. Or only after repeatably having to ask for them or not at all.
If I borrow a tool you get it back clean, polished, oil changed, sharpened or repaired if possible.
NO, i dont need to borrow anything, tks!