I don't anticipate a violent home invasion for the next 30 years or so, we don't have that type of crime stats here. DUIs, "texting while driving" and ice storms are the kinds of disaster we worry about.
Maybe you should take some ice storm and Arctic weather survival training...invest the money and be safe.
I grew up in the north and went shooting when it was 30 below actual temperature. As long as I shot the gun dry with no oil, it was fine.