I think you said it well. "Stay as long as possible." But to assume you will never have to leave is putting all your eggs in one basket. I don't care where you live, there are viable and very real scenarios that could require you to bug out.
My approach sounds similar to yours except that I live on the edge of a suburban area where from my house, I can be on back roads inside of half a mile. And when I say backroads, I mean rural dirt roads with less than 5 houses per square mile density. I know back roads from my home to WY, NE, or KS, and also the mountains. We have bug out locations with permanent structures and friendlies to meet in both the plains and the hills. I can bug out and have a planned place to stay as far East as MN and as far west as NV. I have other locations much closer to home with close friends or family who are like minded.
I agree that bugging out is not the most attractive option, but there are many reasons why it could become the most survivable option. And what you get to take with you could be as much as a truck and camper, or as little as the BOB in the trunk of your car. No one will get to choose the SHTF scenario that comes. If you are 100% convinced that the dollar will collapse, that doesn't mean an airborne pandemic won't hit first. If you live in a mountain fortress and feel completely safe from SHTF, that doesn't mean there won't be forest fires long after all the fire protection services have ceased to exist.
Best and only option, IMHO, is to plan for the absolute worst and hope it never gets that bad.