The thing is, it's ok buying a dear meter, but how many people use fused test leads, and the correct ones at that, I mean with a 500milliamp fuse in them, not a 10 amp.
Incidentally I saw a video on YT from I think it was Canada, I won't post a link, it's a bit graphic, an electrician using an expensive meter was killed when it exploded! He'd entered a panel and for some reason went into the wrong side, it was around 6.5 Kv, the resulting flash destroyed the meter, the electrical cabinet, and sadly the electrician. Apparently he was very experienced, knew the plant very well, yet for some unknown reason went into the wrong panel, one can only suppose he wasn't concentrating, whatever the reason, he paid the ultimate price.
Let's be brutally honest here, I bet there isn't one of us on here who, if we're truthful, does the job by the book. Come on, hands up, who uses the insulated gloves when testing on a live installation, who wears the arc shield, not many of us, if any. The real trick is to be CAREFUL, and pay attention to what you are doing, even with the most expensive meter in the world, a momentary lapse in concentration is all it needs to guarantee that taking a simple measurement isn't going to end well.