I can’t speak for everyone else, but the reality is if someone borrows your Rap, even your wife, and bins it, there’s a lot of very hard to source parts you’ll be waiting on. $200 would get you maybe the spare tire off my truck for a day.
In all likelihood there are a very few people I’d let borrow my Raptor, none of whom post on FRF. And I certainly wouldn’t do it not knowing who the driver would be and what it would be used for. For some of the same reasons I don’t loan out my liter (+) bikes.
maybe someone else here would be more amenable.