Well, I would be going back home anyway in hopes that my wife and child were still alive, and to see if there was anything I could scrounge from the disaster (whatever that was).
But to address the topic; When I'm out at work, I'm in my work truck. And besides the 1911 that lives in the truck, my "truck rifle" which is either my 222rem, or my 7-08, is always in the truck as well along with about 50rnds of ammo (reloading box full, less what I've used). Then there are the tools I carry. Lot's of goodies! Full range of tools, hammers, cordless tools, power inverters (1 small, and 1 very large), extension chords, 6' step ladder, 8' step, and 32' extension, B-tank torch, long sip ties, screws, various copper, fittings, silfos, rope, come-alongs (2), always a change of clothes, rain gear, and lots of misc stuff that's been rolling around in the boxes for years.
So, if in this truck, I think I'd be in much better shape than the avg person.
If not in this truck, I'd either be out for the evening, on a vacation, or out hunting or fishing. If out for the evening, I'd only hope I could be home in time to salvage something, or my work truck somehow survived. If on vacation, my family is with me, which is most important at the time, and I could make a plan then. If hunting or fishing, then I'm pretty well covered here, but will still need to get to my family, or get them to me.
I think all of the bug out scenarios are good to think about, and plan for sensibly. But I think the one thing that will decide whether someone lives or dies is their ability to make rational choices in the face of a looming disaster. Cool headedness and rational thinking under pressure will be a much larger determining factor than any amount of gear (within reason) that someone may have. In today's world there is a whole host of "survival" gear available, one just has to look around, recognize what's valuable, and use their head.
Also, having a BOL that is fairly well prepared for whatever would be a huge benefit if caught with your pants down.