So.... I'm looking for advice.

Nothing flat out stupid like bailing out of my 401k, don't worry. This summer, I took care of the last of my credit card debt. For over two years, I've been using my debit card for most things, and held cash against small emergencies.

The problem is, I want some buffer for larger emergencies. The best way I can see to do this, even at the start of a global recession, is either Master Card or Lady Visa (if you don't get the joke, don't worry) with a couple grand for max limit. I'd probably splurge a little with it at first (I do need a good .22) and then stick it in the back of my wallet and maybe put a tank of gas on it each month. And this time, pay it off that month.

So, the advice I'm asking is, am I out of my mind?