That's one of the positives of throwing with the tougher plastic (z, x, etc.) they don't get really beat in, so if you lose it, just go pick up another, no biggie.
Downside is all the stuff that Blake (and others) love about worn in dx plastic.
I had a 150 champ valk that I lost in a tree -- was too high to get out. Eventually it fell down, but I wasn't around and somebody took it home. It was finally beat in, so that was a tough loss.
I visited a course in Charlottesville (Walnut Creek) and on the 18th hole they have a shot over water. I didn't even try to see if I could make it, just threw wide around then when I got to the water crossing, picked up and walked home. In a tourney, I'd have still gone around, but played out at least. Although I think the water holes are quite scenic, I don't get the concept as much when you're talking about discs that cost seven+ times as much as a ball. Folks say throw a beat disc, but then you don't know what it's going to do... if you do, then it's probably one you use, so why risk it?
There's a couple at Walnut creek that are nice with water - throwing beside and away from the water or throwing over it with good elevation and it's only 100 feet or so. Still, my brother in law tossed a good Z disc into the drink while learning.