Ok, let's think about it this way....you ask would we feel safe with just a decked out 10/22. Ok, how many times in the past have you had to use it to defend yourself? How many times have you had to head to the hills? How many bears have you had to shoot with it? And when did you depend on it to feed you?
Asking myself those same questions I would say, yes. I would be comfortable with just a 10/22. The chances of an all out struggle for survival is probably less than your chances of being struck by lightning. But if the world's climate has you in doubt as to what the future holds, slowly and gradually acquire additional stuff that you think you may need. There is far more to survival than just guns. I would be more worried about water, food, and shelter. A little creative thinking can go a long way toward reducing the need for a firearm in such a situation.
And of course, you can always add a handgun, shotgun and some type of larger caliber rifle to your collection without great expense if that is something you wish to do. Examples would be.....Hungarian FEG Hi-Power 9mm, Ruger P series auto pistols, Taurus or Smith and Wesson .38 caliber revolvers, a Winchester 1300 12 gauge and an SKS. All relatively cheap, reliable and ammo is very available for all.
So thinking of defending yourself isn't a bad thing or being paranoid. It could be necessary. I think a home invasion scenario by some crack head would be more likely, so a good handgun or shotgun would be my next choice. But just don't let yourself be driven crazy by this SHTF talk you hear everywhere. The SHTF on Sept 11, 2001. And it happened on December 7, 1941. Yet we made it through alright didn't we? It was tragic and sad days that forever changed the lives of all Americans, but the massive chaos and disorder many would have predicted never happened. Instead of people trying to destroy everyone, people instead did the opposite by doing everything possible to help each other. The only panick I saw was higher gas prices for about 5 hours after the attacks on 9/11. Keep everything in perspective and you'll be ok.
I too had many worries and fears of the what might happen after 9/11 and asked many similar questions. But I gathered all my thoughts and took a sensible approach to my safety and that of my family. But if being prepared for the unknown (and that's where this SHTF stuff originates), then take the sensible precautions and steps necessary to alleviate those fears. It might be the healthy thing to do. Afterall, if you feel prepared, you will feel more confident and less uncertain. Many people in or near NYC and Washington, DC have been plagued by fears of the unknown after the terrorist attacks. By doing a few simple things and taking a few momnets to just prepare some basic things, they could probably eliminate that fear. Good luck and let us know what you do. I hope I was helpful and if I sounded critical, I didn't mean to be. I understand what you are feeling and why. This insane world will cause us all to think "what if" from time to time. I know I have.