Interesting to read the responses. I'm somewhere in the middle.
I dislike changing lenses because of vulnerability, but if I need a certain FL for the shot, the lens must be changed and it will be changed. But, I tend to leave well enough alone if there's no motivation to change. I am also guilty of bringing two bodies, each with a different FL, just because its easier and safer to do that rather than change lenses while out and about. I think I was/am more of a changer when out with an SLR (as opposed to RFs).
So...I guess I'm fickle