The question reminds me of the adage:
Anyone who drives slower than me is a scaredy-cat. Anyone faster is suicidal or homicidal.
Or Bertrand Russel's irregular conjugations, example:
"I am firm; you are obstinate; he is a pig-headed fool."
I am prepared, you are overboard, he is a raving paranoid.
Sorry, Wilson133, looks like you beat me to it, but I posted anyway.
All kidding aside,
It is situational. If I have to wait 15 minutes for the fire department or police to arrive, my preparations are significantly less than if I have to wait a day or two (which some of my more rural neighbors must consider). Many people have to contend with a response time that you measure in hours and I know of no one aside from our elected officials and police who can measure response time in seconds.
So, I have several flashlights around the house, 4 fire extinguishers (garage, to the right of the stove, to the left of the stove and in my furnace room) and one loaded gun. Response time to a 911 call in my neighborhood can be expected to be in the 5-15 minute range.
If I have to investigate the "noise in the night" I have rarely felt the need to go armed with anything but a mag-light (a dandy club), but have taken the revolver at least once. I have in my closet a kevlar vest I got in a trade, but have never felt like I needed to put that on.
If I carry in public, one 5-shot revolver, perhaps with a "New York reload" (a second 5-shot revolver). Sometimes a 10-shot 45 ACP. But I rarely feel the need to carry in public.
In the woods, a 454 Casull and bear spray.
I do have a generator in my garage and a potable well on my property, keep enough fuel for the generator to last a week and enough canned and dried food to last at least a week. (We have earthquakes that may disrupt supply lines)
As far as the prospect of social collapse, anarchy and vicious hordes of visigoths coming over the hill: I am pretty much unprepared.
Lost Sheep