I haven't yet, crossing fingers", done anything like this. I have however, dropped my cell phone on concrete many, many times and I have to say it is one of the most durable little phones I've ever had. It has a few scratches on the screen but that's it. I am saving up to buy a "toughbook" laptop so I can stop worrying about dropping it. The dude from my local telephone company had one and it was awesome! He told me he had dropped it many times without consequence.
As far as water, knowing how I drop things easily, I don't carry my electronics anywhere near water unless they are sealed inside a water proof bag or case. I have a bad case of "dropitits" my wife tells me and I have to agree.