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Yes, the NG generator with auto-switchover is the best for most disasters. The supply is susceptible to earthquakes and can't be kept on hand easily, so if earthquakes are a local problem, some other fuel may be better.
In my anecdotal observations there aren't really a many accidents in Boston especially considering the number of cars and aggressive drivers. I think much of it comes down to people having to get "into the zone" to handle it. They may be speeding and lane jockeying, but they are fully engaged.
I lived in a small city in Florida, and I think the per capita crash rate there has to be magnitudes higher in much easier conditions.