Definitely.

On the timing of stuff and the idea that things could go on for a while, I was reminded of a lesson from wildland firefighter training.

"the safest area to be in during a wildfire, is in the area that has already burned"

If there are scavengers, looters (government and non-government) once they think they've raped an area - there should be far less acquisitive activity in your area. Caching - that's the key - sorta like the idea of carrying two wallets, one to give up if you get robbed, have a mini-cache or store your goods in a unitized manner - pull out only enough to make it seem that if you DO get robbed or "collected" it will seem as if they've scored and they move on. No way I'd be in a bug-in situation with no visible means of day to day supply, the zombies you can shoot, the government quislings you can't - but they'll insist on their right to seize whatever they can find.

Once things get raided in the cities, the official and unofficial thieves will move into the country - so I don't believe remoteness will in any way affect your risk of a raid - in fact I think it will increase it, and living in an urban setting there's lot of "terrain" (i.e. buildings and stuff) to use as remote observation posts. If I were a bad guy looking for a property to rip off in the country, you can BET I'll scout it first - and since you're remote, as a bad guy, I'm going to snipe you before I raid you.

I like the urban setting, simply because of the opportunities to hide it presents to defenders - and population density in the city under long term conditions will mean there are more survivors that thought like I did, those survivors will form a mutual defense pact with me.

If a bear farts in the woods, nobody hears it - same for a goblin-raider trying to kill you.

urban, bug in, simple and you dont run the risk of losing your bug out location to those who knew of it's location, and got there before you did. Because for every well prepared cabin in the woods, there are several locals you have never seen - who've already found it exists.

When/if some form of government arises - it will be in urban areas, if there are any medical resources available, it will be in urban areas. We DO need one another in many ways that are impossible to plan/prep for if you're going into an isolated area.