> I will keep my X months of food, water, and warm shelter even it makes me a "target"
As you should. For all of the things that can happen between normal life and full societal collapse. The point is, X months of anything is useless in that last case. The only precedented way of evading death or poverty in the wake of societal collapse is to get out.
> you don't talk about being prepared
You're thinking of a zombie apocalypse film. Picture, instead, the warlords and their armies in Sudan or Ethiopia. Whether you talk about it is irrelevant. Your home will be torn apart, and your body pressed into service, irrespectively.
Look at actual societal collapses. The starting position of the resources within the map is almost irrelevant.