It took me weeks to get my radio set up exactly how I like it, but now I can tune into emergency services, GMRS/FRS, Marine VHF, and hundreds of ham repeaters throughout the NYC metro area.
My two key takeaways so far are A: you will not be able to look up what frequencies are used by which services if you don't plan ahead of time. RadioReference and RepeaterBook are useless if you can't get online. Your radio will be useless if you don't take the time to program it for your needs ahead of time. B: If you expect to lean on your radio for communication, there is simply no way to assess it's capabilities unless you put it to use, and for this you really ought to get a license. The technician class license only requires a passing score on a 35 question test. It should be well within reach for many of the technically minded folks who read this forum.
As far as general emergency preparedness goes for myself, what I like to do is take on hobbies with an emergency/survival aspect to them. I go hiking and camping and have the bare necessities to survive in the wilderness for a while. I do ham radio so I can figure out what the hell is going on if the cell network or internet becomes inaccessible, and I play Airsoft with my buddies every once in a while, which affords me some gear and a skill I'll hopefully never need to use off the field. I do all these things because they are interesting to me. The survival/preparedness aspect is just an additional benefit / excuse.