If it turns out I need to get a ham license then I'll pursuit it but I'd rather not have to learn a bunch of boring legal information on something I don't have a lot of interest in and will only be using in a rare set of circumstances
I'd encourage you to get your amateur license. Not only will it make it legal to use the radio to transmit on amateur radio frequencies, but it also gives you access to a lot of resources you won't get without it.
Most of this country is covered by amateur radio repeaters. Unless you get out in the sticks, chances are you'll be able to communicate through one of the many open/free 2 meter or 70 centimeter band amateur radio repeaters. That can greatly increase your coverage.
It also gives you a larger population of people to communicate with. Being able to reach someone outside your own circle can be a valuable tool to have.
While you can make these radios work on GMRS, FRS, MURS, etc. the resources there are much more limited, not to mention the legal issues.
The amateur radio license test is mostly entry level technical stuff, some questions about the rules as they apply to amateur radio, and some memory stuff about where you can legally transmit and where you can't. The test is really easy. You can study on line and take the test at local amateur radio clubs.
The technical knowledge you'll start to pick up (and hopefully continue to grow as you progress) will be valuable in any sort of disaster situation where you need a radio. In a true disaster having a consumer radio with little knowledge about how to make it work to the best of it's capabilities is going to limit you. On the other hand, having some technical knowledge will really help improve your chances of having reliable communications when you need it.
None of us here are the "radio police". We only try to share accurate information so you can make an educated decision. What you chose to do with your radio is up to you. You've been given some good advice about the legalities of it. It's up to you….