There are many combinations of tools that might work depending on the specifics of the disaster and where you happen to be. This is one reason I try to keep a decent kit in the truck (it is always nearby) and then have pocket-carry that will suffice to get to the truck. If Dagny's sister parks outside rather than in a parking garage her situation is very similar. Being in SOCAL, an EQ is always a consideration.

One thing we need to keep in mind is that Dagny's sister is not Dagny; she is unlikely to carry stuff "just in case". I would concentrate on EDC gear she might find useful during the workday rather than building an EQ specific kit. The right SAK could be useful for sister's urban EDC. I seriously doubt a sharpened prybar would be of any use other than during an emergency, so would probably not be carried at all. I would put EQ specific gear in the car kit, and focus on getting to the car.