I constantly think about this topic and so test and at times train for every possibility I might find myself in, but it should be stated that it's probably imposible to plan for everything, not to mention unrealistic to try. However, I seriously take my surroundings, fitness level and so on into consideration in preparation.

Fortunately, or perhaps sadly depending on your take, I am only responsible for myself as I have no family of my own, and no family members in the immediate area. So, as long as I can physically take care of myself, then I'll worry about everyone else (friends, neighbors, etc) if such an occasion ever presents itself.

Yeah... It's probably sad that I think in terms of "Me, my gear, and then everyone else"...

Just so I don't sound like a complete jerk... I would like to mention that I sent out PSKs for friends and family members as gifts for the holidays... LOL

Regarding the question and as you mentioned; if a person is concerned about potential problems of this nature, it's in their best interest to make sure everyone's fitness level is up to the challenge so that they can help one another and also important that they know how to do this effectively before tragedy strikes.