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