I do not have a shelter but have taken precautions to give my family and I a good shot in the aftermath of a catastrophe. I live relatively close to the New Madrid fault line which by most predictions WILL provide a rather large earthquake in the near future. So I do have large quantities of water stored that I do rotate, enough food for us to live off for two weeks (and am on the verge of purchasing a 6 month food supply of MRE's, just gotta save a couple more bucks) and we have countless articles of outdoor equipment from when we camp all the time.
I am not a militant person but I also have a pretty good supply of ammo for the weapons I do own and in the case of a massive collapse of society or something like that where civility was not common place...I have to say that even though I don't view myself as a 'killer' or 'evil' man...if my boys or wife...or I for that matter were being threatened and our well being was being put in jeopardy by someone trying to 'steal' our supplies, I think that I'd answer the call of duty to them as a father and husband.