My mindset will be very different if I'm separated from the rest of my family. If I can reach my wife or one of the kids via phone, text or ham radio (and yes, the hams in our house are trained to start a listening watch if normal comms are disrupted), then I probably have to plan to return home as soon as possible, perhaps by way of the schools to collect the kids. If my family is reachable, we can figure things out from there.

If they're with me and it doesn't make sense to go home, our main emergency kits are always kept in each car. If we can't solve our problems with cash or credit cards we'll have water, shelter, and food for a day or three.