Those are all valid points. But also, I'm envisioning like an end of the world type situation. I'd probably ditch my two bedroom apartment and go find a nice abandoned mansion. There's plenty around here; vacation home city. I would want my belongings, true, so I guess I probably should close up shop. I'm not sure, depending on the situation though, if retrieving them would be worth the risk.
You bringing up the urban setting is important. So I'd probably have to ditch my area. We're all mountains here and the closest urban area is a good 30 miles away. There would be some good zones around there too, so I'd probably post up in that area somewhere.
But still, all things considered, you're right. Definitely worth it to lock up