Matt Bracken's "When the Music Stops" essay got me thinking about the same thing. I want a full size 9mm with lots of rounds (CZ75B, Beretta 92FS, G17, etc) as EDC for that environment, as well as something like a powerful short stocked carbine as a car gun. Currently, I look towards something small and comfortable for EDC. That all changes if we have widespread discontent. I could deal with discomfort or more clothing to tote around more firepower.
No body armor though--I hate that stuff. Besides, I think it would be a mob beating people's heads in more than getting shot as a threat, and body armor ain't gonna help that.