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IMO, unexpected difficulties are a part of life. I have health insurance. I keep a first aid kit, shovel and a set of jumper cables in my truck. More often than not, I have a leatherman multi-tool on me. I don't leave the house every day expecting to need these things, but I keep them handy because I have been in situations where not having them could have seriously ruined my day.
Because "it's better to have and not need, than need and not have" I keep some camping gear, baby wipes, dehydrated backpacking meals and a couple cases of bottle water in the basement. I'm not going to survive a nuclear holocaust but I will be able to handle a couple of days of no running water/electricity.
I keep a bug-out bag ready to go for pretty much the same reasons. It's like a portable "second chance". My BOB is nothing special or Rambo-esque. It's really just a collection of the basic stuff you need to spend a couple of nights in the woods, and a fairly extensive first aid kit, duct tape and a set of various tools. I throw it in the back seat whenever I'm leaving town or don't know where the day will take me. It has come in handy when I've been unexpectedly stuck in the woods overnight or have had to apply a pressure dressing after some idiot dumped his motorcycle on a backwoods road. To me, being prepared to take care of yourself and help out your neighbor is just part of being a responsible person.
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Calmer than you are...
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