I own 2 scanners, and most of my VHF/UHF will scan SOME of the out of band "stuff" - I rarely turn on the home scanner, as I really don't have a great antenna for it - I'll get local police, the fire dispatch (but NOT fireground unless they are withing a block or 2), and SOME of the local RR
I CARRY a handheld scanner every day, and use it maybe 3-4 times a year - typically when I'm on an ARES deployment, and I want to hear what is going on in the area - be it FD, PD or even other ham freqs that I'm not assigned to
I OFTEN use one of my VHF HTs to scan the RR band when I'm waiting to take the train home (trivial to do) - whenever the railroad has delays, I turn it on, just to figure out what is going on