I want to do whatever puts the most distance between me and any "authorities" that may hamper my ability to defend myself and my family and I want to get away from the "urbanites" who, once they realize food doesn't really magically appear in a grocery store, may come looking for MY supplies.
I think the reality is, in most settings where one isn't 80 - 100 acres or more away from their neighbors, most homes are in fact, indefensible. Large patio doors/glass entryways mean it's relatively easy for anyone to brute-force enter any home.
Unless one lives in a cement bunker with one small window and one defensible door (one way in/out) I think most homes are indefensible.
It depends on the motivation levels among feral gangs. My guess is they will be trying to avoid casualties. They may rush a home, but if any of them get shot, why would they not seek easier prey? You may see it in a movie, where a gang of twenty attacks the hero's family and keeps coming after ten are dead, but my guess is that won't happen. Have you ever watched a predator attack prey that fought back? I have (recently), and it's amazing how even the risk of injury will keep a larger, stronger predator at bay.