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Gold silver and other valuables may not help in some disaster scenarios, but would help in others. You may need some form of currency to trade with. Food or water may well be "more valuable" than silver, but it doesn't mean it would hold no value or come in handy.
Same with guns, there's some situations they would be useful, others close to useless.
I guess the point is that you don't know exactly what to prepare for, so it's probably a good idea to prepare for a range of possibilities.
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