It's already too late for those who have not laid in sufficient ammo. There are still some guns available but they will do people no good without ammo and there is almost none of the common calibers out there. And there won't be for a long time, you can bet on that.
Regarding "hoarding", I wonder how many people learned anything from the panic driven shortages resulting from virus hysteria? Not many I'm guessing. The possibility of severely disrupted supply lines because of rampant violence is quite real.
One final thought. I honestly believe that Biden cannot win without massive fraud. If he does win, or the Rats use their plan to disrupt the election to the point that Pelosi is installed on Jan 21 (or is it 20?) I have serious doubts that normal people are going to do anything in the way of push back. There will be no mass civil disobedience, only the same submission as with these lock downs. Normals will (eventually) fight back if attacked, but will not go on the offensive to defend their liberty and the Republic. All of these hideous lock downs and despotic regulations have clearly emboldened the leftists in government. To some degree they have and are (again my opinion) deliberately pushing this stuff as a test run for a stolen election.
My opinion for what it's worth.
You have interesting thoughts. I hope your last paragraph (one final thought) is all wrong.
Regarding “It’s already too late for those who have not laid in sufficient ammo.” I’ve pondered myself: “What’s enough?”.
For a young person wanting to join a militia, there is no such thing as enough.
For an older person trying to defend their home, I’d say a hundred rounds or so per gun is more than enough. If an older person is trapped in their home, the best they can hope for is a kill ration of 1:1. Meaning one home invader killed via self defense per person defending the home that will also be killed.