Welcome. We still don't know where you're located or what the most likely natural disaster might be for you. Concentrate on that at first with "What If" questions to your husband. Just let him understand that you don't want to be a refugee.

For me it's earthquakes -- I'm in southern California and they are real here so it's a no-brainer to be ready for the next big one. Assuming the house stays upright and I can continue to live in it, with infrastructure damaged we may need to make due with what's on hand for a while. I don't count on shopping after the shake.

Why would anyone bug out and leave home? For me in SOCAL it's the threat of wildfires. How long would it take to pack up and leave? The local FD here gave a friend of mine 5 minutes in the middle of the night. What would threaten your home enough that you'd be forced to vacate at a moment's notice? (For the record, by the time he received the vacate notice, my truck had been packed for two days. Fortunately for me the fire went his way and not mine. We could have easily switched roles.)

As for your Q about using bug-out gear in your backyard, the answer is "Yes, if the situation dictates." Using survival gear helps you gain experience and familiarity with the gear. "Emergency" equipment may be held for use only in a real emergency. Survival gear may be gear you use every day and might keep in your purse for daily use as needed. The term EDC comes up a lot around here, Every Day Carry also means every day use as required.

BTW, if you have your own car, you might consider starting with a 72 hour kit that stays in the trunk. Using a car kit at home is fine too if the situation dictates.