You've brought up a good series of questions. I'm am building my kits for the first time and have quickly learned that commercial PSKs and FAKs are good starts but not sufficient in many circumstances. The reality is that risk analysis, situational awareness and training will always be more important than mere gear.

The first lesson that I've learned is that no PSK, BOB or FAK can cover all circumstances. But that's not their purpose. The intent is to solve the small and medium stuff and improvise for larger issues. However, risk abounds in this world; the only no-risk place that I know of is heaven and I'm not ready to check-in to my cloud.