The main themes have all been hit already, but a few random thoughts:
I think those who prep may look down their nose a bit at someone who hasn't planned 'seriously.' We have no kids, no parents, and little to lose. If I had a crop of offspring or had relatives relying on me, I'd take planning more seriously. OTOH, if I were an 80 year old widower in poor health, I probably wouldn't really give a damn about planning. We all lie at different points between.
I also subscribe to the 'lifestyle' approach.., and I also put a lot of stock in adaptability, common sense, etc. After Sandy, I was making my morning coffee on a camp stove or the wood stove. Open coffee places had lines around the block. I remember thinking how sad it was that people couldn't boil water without electricity. Local news interviewed a guy crying the blues because FEMA hadn't come out to repair an 8' x 4' hole in his wall. He had his heat cranked for weeks while waiting for someone else to do something and was complaining that it didn't get up above 65deg because of the hole.
In several weeks, the guy didn't attempt to cover the hole - no plastic, no blanket, no sheet of plywood (or anything else). Then he cranks the heat.... then complains because it only gets up to the temp we heat to in the winter anyway.
The real SHTF issue is that there are ARMIES of people like that, and they will get to "desperate/ nothing to lose" pretty quickly. I think if anything happened, my TC wouldn't be a resource, but a casualty.