rough rating, impression re seriousness:
6.5-8.5, imho
@Quix"imho, folks not prepared with significant food, water etc. stores . . . are either not paying attention..."
Along with the above items, have a supply of $1 bills and quarters in your house. If banking goes down, you will need these for whatever commerce is left. And, never trade someone bullets for anything. Those bullets will be used on you to take your stores for him/her/them. When people are hungry or thristy, they will go to any length for water/food for themselves and their family.