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
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...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
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....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
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....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!