Was at work that morning. The conference room had a TV going shortly after the first plane hit. A lot of people were streaming TV on their desktop computers. Being a bunch of aero engineers, there was much speculation about how a certified commercial airliner could possibly have plowed into a building. When the second one hit, it sorta became obvious. Sometime much later, the media finally caught on. By noon, our management issued a site-wide email telling everybody to go home (and not come back until asked to). By the time I got home, the wife was already there after being sent home before me. There was genuine, palpable, fear amongst folks here. It was good we'd just done our weekly shopping already because most of the local banks and grocery stores closed early. There were a LOT of people in my neighborhood that got sent home and several that weren't called back that week.
I had no reason to execute a bug-out plan. My response to the whole ordeal was precisely the opposite - to bug IN until it could be determined whether or not it was safe to do otherwise.