For me the most scary scenario is to wake up in the middle of the night, temperature in the 20s, and see that my house is on fire. No time to think about what do I grab, other than my wife. So how would you prepare for this emergency? WHat would you have ready to fight the outdoor cold? And what would be essential to have if your house burned so bad you could not get back in?
Record of serial numbers, financial info off site, I keep a disk at my dad's. Blankets in your car, a set of key hung on the frame with a wire tie so you can use it. Your car is instant shelter until you can do something else.