Mannnn, regardless of what you buy...
...there's really no remedy for "clumsiness," and any lens/camera combo that you drop, could wind up being damaged - that's reality.
Now let me tell you something. I currently use the M, M2, and M3, and "da Misses" shoots with the M10. Periodically I've borrowed her M10 (with 15-45) and I've become very, very surprised (in a most pleasant way) at how nicely this comb renders images. The M10 is a delight to shoot with and it has enough options available to advance as you do with your photographic knowledge.
Now enter the M3. There's nothing stopping you from getting an M3 - or heck, the M5 for that matter. Why ask for an opinion regarding this? But other than an increase in MP's, getting the M3 will not make you a better photographer. I personally really enjoy using the M3 and currently have the EF to EF-M adaptor on it along with the awesome and very inexpensive EF-S 10-18 wide angle lens. I'm so impressed with that wide angle optic, but there's enough info there to start a whole new posting.
As for the lenses, it's always good to have more than one lens. Optical clarity-wise, I find the 15-45 and 18-55 on be on par with each other, and in some cases (at least with the copy my wife has on her M10), the 15-45 is a bit sharper in the center. Nothing much needs to be said about the 22 as it's a wonderful lens - albeit I rarely use mine due to the fact that I need IS.
So if you see a great deal out there - regardless of brand camera - and if it rings your bells, go for it. I've always said that having more than one camera adds to the flexibility you can achieve when shooting in a variety of conditions and scenes.
-- hide signature --
Semper Fidelis...
Ben Herrmann
US Marine Corps (Retired)
North Carolina, USA