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We prep based on whats happened or likely to happen.
The most common thing where I live is a power outage. Usually only lasts a half day. Once it was out for 3 days. We have a generator and the gas station isn't too far away.
As for a water outage. Usually, we get a letter stating when the water will be out but not always. We have buckets to fill. A couple of times I've gone to the store and brought home a couple of water cooler jugs.
We always keep extra food on hand.
I mostly prep for digital disasters. Data loss, identity theft, internet outage.