1-3: There's this thing called insurance. Would address all those concerns - at least mine does. And you'd be wise to have insurance on any of your camera equipment that you have, not just a Monochrom.
4: Time will tell, but if that was something I worried about, I wouldn't necessarily be buying any digital camera (including my D4, D800, etc etc), or a computer, a car, etc.
Please don't judge image quality by what you see on screen. All screens are calibrated differently, and an image on one can really look different on another (though I'm sure you know that). Besides, is it really fair to compare the equivalent of a 35mm frame to a large format? And if you haven't seen a print, how can you fairly judge its inherent quality one way or another? See a print, then judge.