Sometimes it really does come down to luck. Let's say you were on vacation, had a work assignment, or were otherwise in the danger zone and this came your way.
http://www.youtube.com/watch?v=2uJN3Z1ryck#You walked to lunch with a friend and while sitting at the outside cafe, you feel and earthquake. Minutes later you begin hearing strange noises and see water coming from your east. You have no BOB, your home is in the line of surge; you either make it to safety or you don't.
Sometimes it doesn't matter how much we've done to prepare with physical preps, all that matters is luck and your ability to make a few right decisions (like running to higher ground vs. going back to work to retrieve your BOB).
Standing there, above the flood waters the thought enters your mind; what about my _________ (insert prized possessions, pets, photo albums, spouse, children, friend)? As much as we survivalists want the illusion of control and that what we do to prep matters, sometimes you're the Louisville Slugger, sometimes you're the ball.