mine is wilderness emergencys--dumping the canoe with the loss of all the gear is the big one followed by falling and busting something with a long wait untill someone else passes thru and might be able to help.i say might, because what could they do outside of paddle for a few days to find help..i was at a local outdoor gear shop and the price of the SPOT has come down and i was told by spring will be down more and the month at a time payment program is avalable..so that would solve the canoe trip problems by quite a bit---
this is a "safe" part of the world..about the only thing nature could throw our way could be a tornado and thats very unlikely..
a generator is the only bit of gear that i don't have that would make me feel more prepared..a winter ice storm that brought down power lines over a wide area would be a hard one to deal with if i could not power up the gas furnace..
but i don't have a BOB or feel i need one but could fill up the car with camping gear and what food we have around and be on the road in half an hour..but thats also so unlikely thats its not something i even think about unless i'm reading this fourm..