You're far more prepared than most, and you've got some good items for sure.
It's certainly worth preparing for things that may happen suddenly; the sad thing is that most don't prepare or have a plan for the most basic of things like injuries and health-events or fires, let alone other things that we know can occur. I think it's irresponsible.
Well, we've been taught that others are responsible for our hardships and solutions should come from above...
That's true enough, I understand what you're alluding to. Well said.