Am I paranoid? I have both a Trek 520 and a Nishiki Cresta. The Trek has better components and a lighter frame w/ the 531. I am worried about denting the frame on tour or while commuting. The Cresta is an '83 and is Tange Cr-Mo. The Trek is an 88. I am mostly concerned about commuting. What would you do??
Yes I think you are bing paranoid. I'd ride which ever one I liked to ride and take reasonable care of it. It is just a bike and meant to be used in either case. It is unlikely you will dent the frame, but even if that happens it isn't the end of the world.