Rotomolded kayaks are nearly indestructible, but the one way you can damage or destroy them is something I see all the time, especially with loaded fishing kayaks. Drag them across a paved parking lot holding the them by the front toggle. Eventually you will wear a hole in the stern. Repair can be difficult, often requiring plastic welding which many people are not experienced enough to do successfully.
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You’re right about that, you don’t let the weight concentrate on the point of the stern and drag it across concrete. I did that a few times with my first fishing kayak, and I could see that the plastic was wearing quickly so I stopped doing it. But across gravel, if you hold the front end not too high so the weight of the kayak is distributed, it won’t be a problem.
Put your safety equipment in a small dry bag and attach it to the side of your kayak with velcro or tie it in. Paddle float, bilge pump, air horn, etc.