Agreed. You need to think about what your probable scenarios are. We've got a mixed bag here so we keep a hotelling-it BOB and a going-ta-have-ta-rough BOB. With a little luck, we won't need either but I suspect the hotel bag is the most likely one to be used.

Top three things in the hotel BOB are:
-cash and docs
-clothes
-toiletries

Top three things in the roughing it BOB are:
-shelter, including clothes
-water
-fire
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