On the subject of the discontented masses, although other people, (refugees, bandits, military, etc) will undoubtedly be the most dangerous issue, under most circumstances, a well-prepared family will not have much difficulty handling the average band of 5-10 refugees or bandits, particuarly if you've prepared for them with traps, and prepared ambush sites. I have a couple of spots within my house with steel set up...
Those "5-10 refugees or bandits" might not be so "average." It might be that they already looted a gun store or perhaps they ambushed some Guardsman and they have some belt-fed firepower. Simple .308 Win. (7.62X51mm NATO)
will penetrate 1/2" TL-3 I-Beam and if you have steel plates better than that, thicker or larger, you must have quite the collection of metallic detritus in your house.
One last thought....bugging out from a rural or wildneress area and bugging out from an urban area are very similar. In either case you're trying to put some distance between the percieved danger and your family.
If you are in a rural area and you are bugging out, just where would you be bugging out to? An urban area? Frying pan into a fire.
Urban areas leave you with lots and lots of places to hide...
It's quite likely that any good places to hide will already be occupied in a scenario like this.
...and lots of stuff to scavenge...
Unless you are out when the scenario begins to unfold, this is not going to happen, either. Most of it will already be gone and you simply cannot count on this.
Bugging out into a city totally works as long as you have prepared for the environment, glass cutters, prybars, lock picks and a basic understanding of how to use them, a basic set of mechanicing tools, Door alarms, wire cutters, bolt cutters, can-openers, etc.
1. Glass cutters probably won't be necessary...but could be a handy thing. Most of the glass is going to already be gone. Still, they weigh nothing...
2. Prybars, mini-prybars up to the Stanley Wonder Bar would be a very realistic set of tools to have.
3. "Lockpicks and a basic understanding of how to use them" would be all right except for, "the basic understanding of how to use them." With a basic understanding of how to use them, you would be able to get into some padlocks and some doorknobs and deadbolts - generally the lower end of expectations like a majority of Master brand padlocks, etc.
4. Bolt Cutters could also come in very handy, the only problem is, the most effective bolt cutters are about three feet long.
5. "Door alarms" are probably not going to be much of a problem for anyone interested - if the power goes out the most they will have is a 80-hour backup and that would be rare because most people, companies and alarm companies don't maintain them properly and they don't hold the stated charge the way they should because they're old. Not counting TelCo problems, etc. No police responding, either.
Which leads us to your next point:
Think about how long 1 family could spend "mining" one CostCo for example, and think of what you'd need to do it.
Well, while you were practicing with your budget-based South-Ord pickset, the hillbilly down the street done hooked a logging chain to the front doors of the CostCo after shotgunning about a dozen milling knuckleheads and pulled them off and he and his already got the goodies... Or the milling knuckleheads already busted the glass and pried the doors and they are busy looting the joint.
Regardless of how well you've prepared for a disaster, preparing for it and thinking about it increases your chances of surviving. There are no guarantees of course, but the unskilled skater punk with no gear who has considered riding his skate board away from the Zombie horde has a better chance than the random martial artist, with or without weaponry, who stands and stares at the zombies, thinking "OMG zombies aren't real!", as they shuffle closer and closer.
I get what you're saying. I don't think there will ever be zombies but if you consider that our inner cities have severe crack and heroin problems, it's not hard to blue sky a scenario where you're going to have some real zombies walking around. At least for a few days in the case of the heroin junkies because after a while, they are going to get really sick and lay it down for days on end until they either die or get through the withdrawal...
On the other hand, every other place, suburban and rural, have a real problem with crystal-meth, crank. Whatever the current, faddish name for it is, and those are zombie-like as well.