While driving around town my main survival tool is a VISA with a high credit limit
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Actually, I do always have a flashlight and a small bag of tools. And frequently a .38 as well.
Although I'm not worried about a chinese invasion or big time civil unrest, I think it just makes sense to have some basic supplies around the house. Like a few cases of bottled water (always use some of that anyway) and a full cupboard of canned foods and the like. Though earthquakes are uncommon here, they can happen anywhere and so can inclement weather. And one thing I've learned, when a blizzard is coming everyone is stocking up and the stores run short real quick.
Because I'm an off-roader and frequent camper, I do have some pretty serious survival kits in my 4x4. Too many things to go into, but everything from an electric winch to sleeping bags to medical supplies to extraction tools/mechanic tools/critical spare parts, etc. And since I go to some rugged places, I've used many of these things.