Another Texan here from the DFW area welcoming you to the forum. Yes it apparently does have a name, several in fact depending on how you look at it. And no your not paranoid. Your just exercising a little responsibility and fore sight in the best interest of your family. Nothing wrong with that. At anyrate great to have you here with us. Hope to see you around and see you often!
Welcome from Southern Minnesota. I'm glad you found us. There is a lot of really good info here. Take your time. Do what you can. Get the kids involved. I think it's Indy that does the "Just in case" with her kids. Don't think you have to do it all NOW. Garage sales are our friends. Thrift stores too.