"In addition, lots of organizations (I may even have gotten this from the feds) recommend you keep at least $500 in cash on hand at home if it's economically feasible for you to do so."
Cash on hand is always a good idea. Many years ago, when I was a kid (1950s), I remember that my father, who maybe earned $100 a week as an auto mechanic, always had a $100 bill stashed in the back of his wallet.
I learned from that. $100 in 1950 was a lot of money. I keep 10 of those bills in a place I can grab them in an emergency. So far, they've been in that place for years. I hope I never need them.
Most my life I've had a 'bug out bag' ready to go. Not long ago I had enough cash in a few currencies in my bag to (hopefully) buy my way out of the country I was in. Just in case, ya know, 'cause most emergencies don't insert themselves into your Dayplanner or Outlook calendar on their own.