For those with personal experience, please give us some insight ( retrospectively), as to how we should prepare, eg., food, clothing, shelter, sanitation, security, transportation, health, finances.
Well, I guess that's me.
Most disasters are local or regional. So, IMO your first line of defense is to have a full tank of gas and cash in your wallet so that you can get out of the affected region.
Even if you stay, with no electricity or sewage or debris pickup or gasoline or water or phone or mail or internet or food, most likely you will be ready to leave in a few days. Many who stayed through Katrina left afterwards for a while.
Keep a list of things you can fit in your car and would want to have with you in an evacuation - - important papers, insurance documents, photos, and so on.
You can find a multitude of lists like this by doing a search on the internet, so most of my comments will relate to things that aren't on these lists. There are also lists of what to have in the house if you stay, such as water, canned food, can opener, and so on. If you have any early indication of an impending disaster, as with a hurricane, you can assemble the items on your list and be ready to leave. Also you should wash all of your clothes, since you won't be able to operate the washer later with no electricity or water.
If you don't leave, or when you return, all the money in the world will not help you to find anybody to assist you in repairing damage right away because those who are still in the area are all busy repairing damage to their own homes. We found a chain saw to be very handy in cutting up trees. Bleach can be helpful for disinfecting.
Go to the gym and stay strong and fit. After a hurricane, you will probably be lifting and dragging huge quantities of debris, even including whole trees branch by branch, from the street and from your lot. Also you will need to personally haul away all of your trash, garbage, and storm debris (to the dump) that you don't want sitting in front of your house for the next few months.
As for finances, remember that it may take months for postal service to return, as it did for us. I was pretty happy with the fact that I didn't have to pay bills that I wasn't getting, due to having all my bills on automatic bank deductions. The one exception was Cox Cable, which gave us a break on the first bill due to lines being down, and then brilliantly decided that it was unfair to continue automatic deductions when they didn't know if we were getting service or not. But I didn't want my internet and TV service discontinued, once it was back on. So, once their offices were open again I had to drive over there to pay until I could get that re-established.
There will be many others who crack and fall apart with all the stress and misery, so if you tend to resemble the empath Deanna Troy in your interactions with people, you will be tremendously needed. But I warn you, you must be prepared for the infinite quantity of horror you may encounter every time you leave the house. People can't help it - - they need to talk, there is nobody to listen, and the stories come spilling out from complete strangers, each worse than the last. Just listen and care, even if you can do nothing else. Hard work is plentiful and helps one to keep dealing with this emotional onslaught, so do what you can to help others, listen if you can do nothing else, and work hard at the cleanup when you get home to help you deal with it.
THE VERY MOST IMPORTANT THING FOR DEALING WITH A DISASTER - - is a calm, rational, patient, compassionate, sane, flexible and inventive mind. Every disaster is different and you can't prepare for everything, or deal with each of them the same way. Americans pride ourselves on our ingenuity and you will need yours to the max after a disaster. I can't emphasize this enough.