This has been a thought provoking thread.
My current job is in a hospital in a hurricane prone area, and tornados and severe thunderstorms are common in the summer.
I have a 2 mile commute, so walking home is no big deal. Like Matt, I wear good shoes to work.
Leatherman Squirt P4, Photon II, and Nuwai Q3 are EDC at work, FAK in my bag, and water at the hospital is a given.
Small kit in the car is available, and my big BOB is at home.
However, I started thinking about the way home, and there is a railroad line that is about halfway between work and home.
I have sat at the crossing and watched tanks of chemicals slowly roll by.
Time to reevaluate some of my kit, and adjust some of the included items.