The whole point of preparedness is to be prepared. Yesterday. Today. But tomorrow? May be too late. Presume you are basically out of time and make your insurance arrangements now. That's what this is about. What are you waiting for, whatever, however you define it? What's the delay? What are you waiting for!?
The only thing I can tell you about everyone's specific predictions are that they are wrong.
It requires work and investment. Good luck.