So this is actually something my wife and I have discussed rather frequently. This is what I had in mind, understanding that this is a long term goal. Bear with me.
Four rifles. Either AR-15 variants or akm variants. Think PSA Premium, or Wasrs. Each rifle would be assigned five (5) magazines, 1500 rds of ammo, a chest rig w/ four mag capacity, and a basic IFAK. Think along the lines of gloves, pressure bandage, TQ, and chest seal. Rough guestimate would put you at $900ish per loadout without spending the time to add it all up.
Then my wife said something. "Why would we arm people that didn't prepare for themselves?" I was stumped. I guess kind of like if a kid can identify your password, you need a new password. My wife is NOT very tactically minded, and even she was able to identify this.
Even with just the cost of one loadout, I could pay for my wife to go and take a tactics class, and pay for ammo. I now have a trained two person fire-team, rather than 4 extra schmucks with guns and ammo that probably called me paranoid the week before.
WITH ALL THAT SAID, if you have a solid group of people that you absolutely know you can depend on, the finances, and patience to support it, then let capitalism take place.