Yes, I have been thinking that way. I almost made a credit card purchase for some survival gear last night. It's one of my rules to not use my credit card unless absolutely necessary. Lately I have been wondering if it is true that I am paranoid. It's hard to agree that a less than 10% chance of occurence is not worth preparing for. I might make that purchase today. I suggest that if you can do it without hurting yourself or another, then you are not crazy for doing it.

By the way, can you provide links to those niche companies?