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Although I am confident that the .45 and 17 rounds I carry with me on a daily basis is a good comprimise for "average" touble I might encounter in my area.
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My guess is that you are already over-armed for the average trouble you might encounter in your area. It is only very rarely that non-LEOs ever get to do a mag change in a civilian gun fight. So you are more prepared for the 1 in a 1000 sort of gun fight, assuming you end up being in it.
I am not knocking your decision. Me, I prefer to carry two spare mags or one spare mag and a bug.
As for the whole new life post disaster scenario, what you bring depends on how long it may last. After Katrina, officials announcing the evacuation of the TX/LA coasts for Rita were suggesting evacuees take 3 months of prescription medication with them. That's MONTHS.
My favorite post event survival book is a 1950s fictional book called, "Alas Babylon." It is about surviving after a nuclear war and all the trials and tribulations a family and some community go through as a result of being without resources or contact with the outside world. While it is a qutie dated book, the same sorts of hardships documented there could happen now, the only difference being that the people did not migrate to a new location.