In a few cases some of our people that ended up not fully equipped had a spouse or one of the older kids an 18 or older whatever run home and pack bags grab some stuff but didn't grab everything, ie grabbed their daily carry gun and a mag or two but not the ARs or shotgun or whatever, then the house ended up getting trashed.
Most of my loaner guns are something i know most can run easily. Bolts and pumps, due to Texas having lots of hunters. Even not really shooter housewives dove hunt here and can run an 870 decently.
Stockpiling 30 or 40 rounds of buckshot for your extra bird gun, or 2 or 3 boxes for a deer rifle is better than nothing. All my dedicated fighting guns are spoken for, i.e me, wife, either dads (both are rusty but combat veterans, a 5 minute refresher would do fine). Ive considered building a basic/retro AR just for older family members since all of them carried the M16A1/A2 in their time.