All I can say is what I went through in my own head before buying mine. I've had a number of fairly decent cameras over the years, both analog and digital, and shot in lots of different conditions including rain and snow and sand. I never even heard of a "weather-sealed camera" before a few years ago, but I never had any trouble because I always protected my camera with my outerwear or even plastic bags when necessary.
I've carried a few disposable camera rain covers in my bag for the last 6 years or so, but never had the occasion to take them out of their package. But I'm sure that if I got caught in a downpour, they'd protect my X-S10 just fine. And if you also only encounter adverse weather on relatively rare occasions, that's probably all you'd need too.
Edit: all my Fuji lenses are weather-sealed, so that's another thing to consider.