Actually FF it is roughing it for everybody in the Keys right now. No electric, spotty cell, no sewers or pump out facilities working, no gas, no diesel, no potable water, no mosquito control, no lodging, no restaurants, no grocery store refrigeration, trash and debris everywhere. It sucks down there right now and my experience has been it will continue to suck for weeks and quite possibly months. Water is stirred up so can't fish or dive, and lots of people working diligently to restore the infrastructure. I don't need to be down there in their way and I don't want to go back there anyway.
I've got employees in Key West who are still unaccounted for, and I've got employees in South Texas, too who are still reeling from Harvey. I've truly been impacted by both storms, but I am optimistic about the future and doing everything I can right now to help my personnel like sending them money and carrying them on the payroll even though they can't work and I'm not generating any revenue in Key West.
I was prepared to move my boat to higher, safer, and more secure ground and I did. Now I'm hanging out in Texas on my other boat until I can return to get my things in Key Largo and my Bayliner in Indiantown and go on with my life.
I've lived in Boston and know about the cold. I've hiked the Rockies in 25 below and been to South Dakota when it was 50 below. The EF-5 tornado East of Dallas the day after Christmas in 2015 destroyed houses in my neighborhood. Leveled them and I was without power for 3 weeks in the dead of winter with an ice storm. I was huddled in the closet while the tornado tried to rip off my roof and my solid brick house shuddered.
I agree with you that being unprepared has consequences. I say I'm lucky and feel that way, but to a large degree we all make our own luck by the decisions we make.