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You keep most of your pistols stored in your house. You keep one or two somewhere else in case your house burns down or the government seizes all your guns (that they know about.) Safe deposit box sounds like a fine idea to me.
It doesn't take the "end of civilization" situation either. Let's say you shoot a burglar or attempted rapist who breaks into your house, and the sheriff comes and takes *all* your guns, not just the one you shot the bad guy with. Do you really want to be defenseless if the BG's kinfolks come looking for you? Assume there's a waiting period on buying a new gun, or the sheriff somehow puts a temporary block on you getting NICS approved.
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"Everything they do is so dramatic and flamboyant. It just makes me want to set myself on fire!" —Lucille Bluth
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