peace of mind is an important thing to have, and if it means spending some extra monies, so be it!
silly as it may sound, i always used to be scared going out in the middle of the night on my own
...but just going out and doing it really helps get over that, similar to how ive always been scared sh*tless of heights, for the last few weeks ive been deliberatly going out on my roof to have a cigarette, and whilst its not a huge drop or anything i was always too scared to do so, but now i do it alot im not scared at all
....the best way to overcome your phobias is to just do things anyway...of course you can just ease into it slowly, take a friend with you for the first few times
....either way though, if TSHTF you'll need to be comfortable enough on your own outdoors as well as with a group!
oooh 4x4! personally i'd just take the approach of ok, i own 4cmx4cmx 3950 miles but thats still not very useful lol....just hope the 4x4 is right in the middle of a perfect building spot for some else who owns all the land around your bit!