Correct on all counts. We are for all intents and purposes already ‘bugged out’. It meant a significant alteration of lifestyle and a reduction in income, but we’re making do. The one thing you can’t buy is time in community - time to get to know folks. Who you can trust, who you can’t. Who your friends are and who’s going have to be dealt with when the time comes.
Our biggest concern is water. We’re on a local community well, but there’s no plan to guard, fuel and defend the well head. Not good. And it’s getting way too late in the game.
I have my own well for water - and it is a great comfort.
Also, in my area - there's a stream, a pond, a lake (or several) within 2-3 miles in any direction...and I have a little ‘brooklet’ running through my woods (don't need a whole lake ;o).
I have friend who knows every piece of water in the state, but has also dug himself his own fish pond for trout - and a ‘nursery’ for raising trout fry.
Just throw a line in the pond and bam, you got breakfast -