@WSFP451 welcome. In the case of shtf, repeaters likely won't be available. At least not for long. After hurricane Berl, my favorite ham repeater was down but fortunately my second favorite one was still up as well as my favorite GMRS repeater.
Any way, in the case of shtf, try to keep your loved ones close enough for simplex if you can. The shorter distance will also help you get to them quickly if need be.