[b]Frankly, the inexpensive FRS radios that sell for $50 to $100 a pair work pretty darned well. The higher priced GMS versions that share some of the same frequencies work even better.[/b]
Or maybe not — During an emergency, with just FRS 14 channels, you're going to have a lot of fun trying to find an unoccupied channel! Compare that with the VHF and UHF ham bands, where you and your buddies have literally thousands of "channels" to choose from. I wouldn't count on the GMRS channels being much less crowded, either.
Also, the ham bands could be a valuable source of reliable information during a disaster. On the FMRS bands, you won't find any emergency networks operating — and probably not even anyone who you'd be willing to trust for news, medical advice, etc.
I would strongly recommend getting at least an inexpensive talkie, even if you don't have the license yet. In peaceful times, it'll give you some motivation to get the license. In a major disaster, having the license probably won't be a major concern when using it.