I am a solitary soul. There's no-one so dependant on me that I would automatically travel to rescue them in a situation like that. If I did get in touch with someone who needed help, that would be different.

I have credit cards. I would think I could survive a remote disaster indefinitely. I wonder if I am failing to understand your scenario. Can we not just check into a hotel and live off life savings for a while?

I might return and shelter-in-place, depending on the situation. I don't think I'd return, collect survival gear and then leave, unless it was convenient. I might return for irreplacable assets, and possibly for documentation such as my passport (which I don't normally have with me when travelling within the UK), if that seemed advisable.

When I travel, I don't carry extra gear with me to prevent it being lost by a disaster at home. I generally don't have enough spare space. I do carry what I think I need to survive if there is a disaster where I am - but that's pretty much what being on holiday means anyway.