> if anyone is aware of a thought -through / formalized / developed way
> of handling the issues.

It's called game theory or cooperative game theory. Do a search on your favorite search engine and you'll turn up millions of hits, several of them right on point for your query. There's also non-cooperative game theory, which seems to be very big here.

If you want more nearly practical thought through, formalized, developed ways of handling the issues, get your neighbors to take CERT courses with you. You'll learn and train together on supplies, first aid, and search and rescue.

If you want practical experience at cooperative survival, start going to Burning Man for a week every year.