begin by shopping for ballistic vests and night vision goggles; they would be better served by grabbing a fire extinguisher, some bottled water, and then putting the rest of their money in a rainy-day fund.
is right on point, but IMO that just says - hey don't be insane.
Literally right now, my good friends are being rescued from a rooftop in Houston. No number of bottles of water in their basement or generators are going to help them. They are lucky in that they have some discretionary funds and Flood insurance, but more likely than not (if history repeats itself) they wont get fully paid out for what they lost.
What they should have done is learned when to move or when to stay by: 1. Not buying a house in Houston and then 2. Gotten out well before it was imminent.
Small scale common adversities like you are talking about can get critical really quickly. All those preparations, other than just having savings, is just making you slightly more comfortable and buy you a little bit of time so that you can make a bigger plan. Good, but insufficient and gives you a false sense of security. Again, these are things I've seen over and over.
Planning for the range of disasters from a month of unemployment and TEOTWAWKI is the same basic mental change, not just a full basement and bank account.