Thank you so much for your thoughtful comments ... and, the funny ones :-)
My sense is that there are a couple different scenarios we all consider re an "emergency fund." The first is the usual setback in the stock market (emergency due to market conditions), second relates to personal emergency (emergency due to personal needs), and third is catastrophic economic system (emergency economic catastrophe).
We have a variety of income sources and a variety of types of holdings, so we should be able to weather both of the first two types ... the third type could be so pervasive, only a great garden and gold might be helpful :-)
Again, thank you all!!!