I talked to someone who is an expert in IT security, Disaster Recover and Business Continuity planning about his personal 'disaster recovery plan' (rather than using the 'survivalist' term bug out) He has instructions left with his wife that if she has to evac the home to drive x number of miles in y direction, take the first exit and turn right then travel to the third hotel she finds. Something like that is a realistic scenario, fire, flood, storm, etc that forces you to leave your home chances are you'll end up in a hotel/apartment/etc. Hurricane Katrina was an example, some people had to leave for a few days, others weeks, others never went back. Another example is a bad ice storm we had here a few years ago that downed power lines all over the city for up to a week and people had to bug out to hotels and other family homes that still had power so they could have heat.
Thats the most likely scenario, I for see us having to leave Columbus OHIO for Zanesville, Wheeling, etc, 60 and 120 miles east, or Dayton, Cincinnati, Cleveland etc and staying in a hotel until whatever even passes.
now say we get stranded on the way, remember the highway in new york that shutdown one winter and people had to find shelter? Thats where some of the non urban gear might be handy.