Hi Andy,
I think you are on the right track without being paranoid.
Having food/water, a way to cook and stay warm without utilities, some emergency tools, extra clothes and a good first aid kit are the basics that everyone should have at home as well as in the car (even though one may travel only short distances).

The rest of the contingencies are less likely but you will still need the basics anyway.
Beyond that it depends on how you feel about the status quo; if you believe that TEOTWAWKI is around the corner then gear up. If you don't think that a big change is coming then the basics will do fine for 99% of what may happen (winter storms, power outage, flooding etc.)