It's knowledge, experience, health and adaptability that are the real SHTF companions. Even the best of equipment gets lost, stolen or craps it's bed. Amazing what can be learned from the unfortunate members of society that don't have the means to purchase a $300 torch or even a AA battery.
Yeah... would be a good idea to have some funds stashed for an emergency.... not necessarily in the bag though in case it gets swiped.
A bug out bag that bugs out without the owner could be a big problem. If it for some reason gets insanely bad and you end up having to pay $20 for a 4 pack of alkaline AAAs and a cheap $1 chinese light that takes 3AAAs you may wish you had a bug out bag for sure.
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