Hello, new here. As they used to say on Rush's show... "Long time listener, first time caller."
To answer your question (or at least give an opinion) it all depends on the nature of the SHTF. We recently experienced a nearly state-wide power outage that lasted most of the week. 40s at night, pretty cold. I went on the power company's website to see what areas had power, and surprisingly, a nearby city (10,000 people and less than 1/2 hour away) had the main gas station/fast food strip fully lit.
So I went to get generator gas, and had to go inside the convenience/Coffee/Subway Sandwiches/Bagel area to pay cash. People from all over a six county area had done exactly as I had done, and we were all on line sharing stories and encouraging each other.
You could actually feel the adrenaline/survival mode dissipate as people filled up their vehicles, their 5 gallon gas cans, bought milk and bread, and cell-phone backup batteries. Hell, I could feel it dissipate when I saw a lit-up gas station in the distance.
If the power outage would have lasted longer, if the gas station would have been closed, or running out of important items, things may have been different.