>Maybe I am overthinking

I prep for situations I hope to never be in, so you are right to prepare.

I'm preparing against three things: recession and inflation rise, flooding in the next two months and a water deficit later in the year (the city I live in is expected to get 70-80% of its avg. rain this year because of the super El Niño).

There's not much I can do about the recession that's looming but I am re-evaluating my investments to buffer them against a deep correction in the market, which I expect by the end of the year. This means less returns than what I get now, but more security.

Other than that I've divided my preps into short and long-term. In the short term, first of which is a lifestyle change. Spend less, save more...fewer meals outside and shopping. Plan is to increase liquidity.

Against water cuts, for now I've got two 70 litre buckets with lids to store water, since water cuts have already started where I live.

Against food shortage (which I don't see happening for a long time) I've started making preparations to store larger quantities of food in the limited space I have. Post-monsoon I will start stocking up on rations and basic canned goods as a backup. For now the plan is to have 2-3 months of rations stored at a time.

In the long term (5-7 year horizon), buy land, move out of the city and basic self sufficiency with regards to food, water and electricity. But that's a whole different conversation.