5030, all good points. I look at things differently...not right maybe...but differently.
Surviving can come down to being just bit better off than the other guy. It is like that story about how to survive a bear attack. Shoot your buddy in the knee and run like hell. Hopefully the bear takes the easy meal screaming in agony.
I am not a full-blown prepper. Food for about a year. I heat with wood and there is plenty of that around me. I am on a well and a 1/2 mile from a good creek (have good filters) so set on water. With two 500 gal propane tanks I can power the house for a couple of months by cycling the whole house generator. Solar might let me last a lot longer without a lot of effort if fuel gets very expensive or near impossible to get.
An EV of some type would provide wheels without needing fuel. Wheels are good for giving/getting help, trips to others to visit/barter stuff and going to the creek to get water if the well fails etc. Even a golf cart beats walking and pushing a wheelbarrow. A used golf cart is about $5k. A "beater" EV with a decent battery (like Gale's Leaf) would be better.
In my situation, and to address my perceived needs, a $15k solar system is easy to justify. I can live without power but I do not want to if I do not need to. With power, life is easier, safer and likely longer.
The issue you raised about civil strife is a lesser concern. I am part of "tribe" of about 50-60 locals. I have been dubbed "the ammunition factory". Shooterdon, is a well-earned moniker. 10's of thousands of rounds shot in competition, multiple reloading presses (some commercial grade), a Master Caster and two other melters, multiple molds, Star luber/sizer, 4000+ lbs of shot and casting alloy, and a comfortable supply of primers/powder. The tribe is well known in the area with members in law enforcement and some ex-military. None of the other locals would be foolish enough mess with it. We are rather remote and strangers are not welcomed at the best of times. During a time of unrest...well...
My "weak link" is power.