It's also known that people are not very good at assessing risk. People are more word about dying at the hands of a serial killer than they are of dying in a car crash or slipping in the shower. I feel you're underplaying the psychological harm of having all of your data crawled through by a creep (that would include all of your photos, sites visited, messages sent, everything).
All I can really say is that if someone gained access to my machine, the camera would be the least of my concerns. That's true in nearly every context (psychological, financial, physical, etc).