I tend not to immediately equip new gear gained in dungeons mainly because I rarely get new gear in dungeons. Being a reasonable person I never roll Need even if it's something I can, mostly cause I'm not that self-centered. That said, though, if I do get something I weigh the cost of repairs against the benefit of putting it on. Most of the time the cost outweighs the good. If I feel I'm suffering for not wearing it, though, I might, but that's rarely ever been the case.