You plan for your risks. If you're in the city, a street map and cash is worth a lot more then a ferrocium rod and a tarp. I'm not saying you'll never need a ferrocium rod and a tarp, but you'll be more likely to need cash and a street map
Hope for the best and prepare for the worst.

The object in life is not to be on the side of the majority, but to escape finding oneself in the ranks of the insane