Which just further makes my point. At least your family has you to help teach them about radios if SHTF, most don’t have anyone. They’ll be trying to learn at the worst possible time. It’s like trying to teach a drowning person how to swim.
Similarly, you talked about how you would pick up a ham radio and use it. At least you start with an understanding of how simplex and repeater communications work on UHF.
HF is a bit of a different animal. Without some level of HF experience, even as basic as knowing that different bands are active in the morning, afternoon, and evening, or about the different types of antennas needed for the various bands, your chances of success are lower.