Hi Kaarina,
There's all kinds of different ways of being prepared, we all have different levels of comfort here. A big one is community. As I read through the replies from other folk, I noticed not much mention of community.
This I think is your weakest link here. When your down and out, to have a group that will come and help out while your recovering, this would have made a world of difference.
I broke my wrist last winter and just moved into my new place, in a brand new community. I had only a couple connections one was the medic that I met when he took me to the hospital, and the other a old friend. Because I moved in late fall start of winter I didnt have time to put up any wood. But between these 2 wonderful beings they kept my house warm all winter. As I recovered and sat by the fire.
I always leaned on the side of being a lone wolf. I can look after myself, always had and always got by. Then finally I was taken down by something I thought would never happen. I just got lucky I had two connections that stepped up and got me through the winter.
There's no way of preparing for every possible situation. But having a strong community around you is number one. One person has certain skills, that you need. Another has time to stop in help with firewood, deliver chocolate. Another has equipment, tools, that you can rent, borrow, and such. You in return give back when there in need with what you got to offer.
After my experiance last winter Ive decided to get into my community, to build a more resistant community. Im stepping out of my comfort zone next week. I'll be going to the local Juijutsu club. Get off my little piece of heaven head out in to the world meet people I would have never met before. Learn to defend myself, get in shape, have fun, but most importantly network with people I've never met before. Maybe there not permies, but that dont matter after meeting me hopefully they get inspired to grow a garden, rain water harvest, heat with wood, turn there lawns into food! Worse case I gain customers for my surplus. I'll have friends to stop in while im down and out, I'll be sure to do the same when they or.
The lone wolf way of thinking never works. You can stock pile chocolate, wood, and what ever you think you might need. But sooner or later it'll run out. Im not saying not to have a buffer, a little insurance, year or two ahead on wood, groceries for 3 days, a month or a year, thats just smart. But also dont forget to stock pile and build community, the neighbours or the ones that will really get you through, and be there for you!