This sure sounds like either a "stay home" or "assisted bug out" scenario. Don't know what your residence is like, or under what circumstances you'd be tempted to leave it, but given your description...

I say assisted bug out, because you might be better off as part of a like minded caravan that can support you and your wife if something happens along the way. Other threads on here have talked about the importance of community, group effort, knowing your neighbors, etc. Don't see why that wouldn't apply to a bug out situation as well. Do you know anyone you could "buddy up" with when leaving town?

I think my preference would be "shelter in place", but that's just me.

You mention "hard times". Worried about the coming economy? :-)