I think that this is exactly right. I take a layered approach with my preparedness.Another thing to remember is that you need to have 'prep' stuff with you at work, at home and in the car. It's foolish to think that you can just head home (or wherever) when the SHTF. It will be chaos and normal travel times will triple or even be impractical.
I have my edc on body carry which is
Basics of multi tool, knife,firearm , flashlight, nitrile gloves
And a small edc bag for work, class or anything else, with water and basic day-2 snacks.
A car kit/ ghb that varies depending on seasons. And distance traveled. Basically just add to the existing bag or take away depending on location.
Then home preparedness. Usual food, water, security etc.
And a bug out plan.
I think something very important to note besides just having the layers of preps but to test that gear while weather isn't ideal. Take your ghb out and walk a few miles next time it rains or snows and see what you think you missed. Same with a winter car kit. I'm not saying set up in the car over night but double check blankets. Is your water frozen. Etc. Heat sources. All that is a good way to shave weight off your kits.