You made a statement that's particularly true but often overlooked:

Everyone's SHTF bags will be different

Since "prepping" (whatever that means) has become such a trendy thing these days the marketing folks have many believing their products are all that one needs. The fact is that stuff will NOT help you. It's what you DO with whatever stuff you have at hand that will keep you alive, safe, and comfortable. Each of us has a skill set, some more, some less. That skill set determines what goes in the bag, car, homestead or whatever. That skill set is influenced by WHERE you acquired the skills. I'm in Florida like you so I'm good with snakes and alligators ;-) But I've also got land in NC. I can tell you that the skills required in Florida are VERY different from the skills required in NC. Therefore the bags of stuff are equally different. (To me as a warm body, the folks in Canada and Alaska are just crazy! But they survive too. How I don't know but they do ;-)
So take an inventory of your skill set before you do anything else. Make up any deficiencies and THEN pack your bags.