I am a long way from qualifying as a “prepper,” but I reckon I am more prepared than most. It is madness to assume that financial and/or social dislocation can’t happen.
I have my own well and my own septic system, living, as I do, out in the sticks beyond the availability of municipal water and sewer. That may turn out to be a blessing in the event of major civil unrest or terrorism: water lines can be cut, municipal water reservoirs can be contaminated, and sanitation plants can be disabled. Of course, both my well and sewer pumps need electricity. So, I have a propane-fired emergency generator (preferable to natural gas in my opinion, because gas utilities can be sabotaged) capable of running the pumps as well as providing power to all appliances as well as to some lighting. My heating system is half electricity, and half propane, so if one goes out, I can still be relatively comfortable.
Obviously, if propane delivery is interrupted, I’m in trouble; but I have a 1000-gallon tank for a relatively modest size house, and I keep it topped up. I could easily last a year even with a total loss of electricity and unavailability of propane delivery.
OK, my food supply may need work. But I have lots of wine, and three corkscrews as a hedge against failures.
Sounds like you’ll do well...or much better than most.
That wine hedge is funny.