I know a lot of people have hype for gold, silver, I've never really understood it myself, my main focus was acquiring knowledge (can't be stolen, can be rented out) on how to make survival products out of everyday objects.
Gold, silver is a post-post-disaster currency (after the disaster has passed, and society is starting to restabilise). The issue is it's not a post-disaster currency (where speed in relocation and portability might be a requirement).
If you're forced to relocate (EG incoming fire, earthquake, army, etc), you have to leave that stuff behind. My thoughts are one should have supplies for immediate survival post-disaster (if you're the guy with the clean water out of 1,000 plebs who don't, you can ask for whatever you want in exchange, especially if the water is scarce).
My breakdown would be:
1) Disaster
2) 1-3 days of rioting/looting
3) Army steps in, martial law (held indefinitely)
4) Disaster finally impacts army, army falls apart
5) Scattered survivors in small groups
6) Person with most knowledge, tools is 'leader' of a group
7) Groups establish themselves into small communities, rebuild starts
But you're looking on the order of years. Society wouldn't breakdown immediately with fire everywhere and everyone dying, but you'd see a 'slow burn' (it took 4 years for WWII to finish and everybody was trying to kill each other in the most effective way possible. Even the black plague lasted 4 years.)
Don't see it as discouragement to do your gold thing, your situation might be different to mine. I'm just of the opinion it's designed to sap our money away from survival resources, and then they pull an FDR and steal it.