Fair enough, I haven't either and I definitely didn't choose the best example there, but my reply to JonahSinick downthread addresses this:

There are many other possible examples. Perhaps instead I am wearing a watch that my mother gave to me before she died and it has great sentimental value, or perhaps I have some document, hidden away in an inner pocket, that would be expensive to replace or whose destruction risks getting me fired. The exact details don't seem that important. I don't happen to have either of these items, any more than I have shoes worth over $20, but it is not too hard to imagine.