In the first year, Lilith collects 3 caps * 12 months = <<3*12=36>>36 caps.
Every year afterwards, she collects 5 caps * 12 months = <<5*12=60>>60 caps.
She does this for a total of 5 – 1 = <<5-1=4>>4 years.
This is a total of 60 caps * 4 years = <<60*4=240>>240 caps.
In total, she collects 36 + 240 = <<36+240=276>>276 caps by herself.
Over the Christmases, she receives 40 caps * 5 years = <<40*5=200>>200 caps from friends and family.
She also loses 15 caps * 5 years = <<15*5=75>>75 caps over the years.
She has therefore collected 276 + 200 – 75 = <<276+200-75=401>>401 caps.
#### 401