I hate the "bug in" vs "bug out" question, it is too binary. That is like saying "pie or cake, pick one" or "hammer or screwdriver, pick one". Snot, dirty ears and other comments- they are both options and neither should ever be off the table. Bugging out is less desirable, but there are times where it would be required.

Sue, what I would ask in your specific case is, how strong is your building? If you do get ash, as I understand it, it is basically quickcrete coming down like snow. And that volcanic erruptions are often followed by rainfall due to the amount of seed particles thrown into the air.

Can your buildings take three inches of concrete piled on the roof? 6"? 12"? Do you have a mud/ash slide risk afterwards? Do you even want to be breathing it in in the first place?

Volcanos aren't a major concern where I am, unless Yellowstone pops and I put that in the same probability as a big rock falling out of the sky. (Real, but extremely rare, and not much you can do about it.) Maybe my data is wrong, and I'm jousting at a windmill. But I would never completely rule out bugging out. Or sheltering where you are. Taking any contingency plan out of the folders is a bad idea.