On an individual, or family level, it comes down to cost effectiveness. It is insanely simple to prepare for fairly routine mishaps and become self-sufficient for 72 hours. It isn't even that difficult to become OK for seven days or so. People who contemplate a year or so of independence are going to be investing significant resources in their preps. Draw the line wherever you desire.
Pretty much. The bulk of the routine stuff (computer crashes, flat tires, power outrages, etc.) are one-and-done purchases just requiring routine maintenance. As a single purchase, it's daunting, but spread out over the years, it's surprisingly affordable. I've found the limiting factor for preparedness to be the cost of replacing short shelf life supplies, like food which goes bad after a year or so.
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