"As always clothes appropriate for conditions, maybe not always artic sleeping bags but at least snow boots and appropriate jacket. You may not be prepared to be lost, but at least be prepared to at least change a tire."

This is an excellent point. If you (an imaginary, hypothetical "you" who doesn't read this forum) think it's too much effort (too "paranoid") to prepare for the unforseen emergencies, at least prepare for the common daily set-backs! Cold Weather, for example, happens to people whether they are lost of not, in the wilderness or in the city, even safe in your own backyard you can encounter Cold Weather. So -- prepare for it. Own water-resistant pants and good warm boots. Take them with you when you drive around in the winter. Whether you are lost in the backwoods or forced to walk three blocks for a pay phone, clothing appropriate for the weather is a must.