I think JBMat covered it nicely. You need to worry about number one first. The real drawback, as we all know, is you cannot plan on being at your desk when the unthinkable happens, so the toolkit and comprehensive FAK is mostly useless unless you are going to wear a small backpack all day. Bottom line is the second sentence.

My $.02
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"Its not a matter of being ready as it is being prepared" -- B. E. J. Taylor