No matter what disaster you are planning for or what you can financially afford to prepare, taking a leveled approach will allow you to prepare plans and supplies to meet the challenges.
These planning levels come into play in relation to the severity of the emergency you plan for. Are you planning for the occasional power outage that can last a couple hours or are you planning for a complete break down scenario that will leave you fending for yourself for an unknown period?
These also come into play based on the financial level you can afford to prepare. Do you buy the newest top end gear you can find, or do you need to invest time on D.I.Y solutions that maximize a small budget.
There are no right answers because everyone’s situation is vastly different. The important thing is to be asking the questions that help you prepare.