In my shop, the tig hoses are considered a consumable- that is, we dont sweat it when we have to buy a new one. Mine cost around 65 bucks.
Its true, inside one of the little plastic hoses is the main power supply wire, bare copper in the ones I have seen, and it can get kinked and broken. We constantly walk on ours, drop stuff on it, wheel carts over it, or just trip on it. I have mine covered, I prefer the leather with velcro- the damn plastic zippers melt, making the cool tactical black nylon ones not so useful- 30 feet of hose wrapped in black electrical tape gets kinda ugly. But even with the covers, the hose is vulnerable, and gets damaged from time to time.
Much more common is melting a hole in the plastic hose- and spraying coolant everywhere.
This can be caused by forgetting to turn on the radiator (who me? says Brett, who works for me, and did this last month. "I was sure I turned it on".)
Or by draping the hoses over a very hot piece you have just welded.
Done that myself a few times.
Most modern torches have a hose assembly that is removable from the torch, so you only have to buy a new hose set.
I have never seen one that is all one piece, requiring you to buy a whole new torch, but I suppose its possible.