My opinion is people W-A-Y over think this stuff.
There's a lot of different disasters that can befall us. Try to be ready for any of them, but understand that it is not up to us and you might get smacked up-side the head with one that wasn't on your list. Learn to adapt.
The whole "prepper" thing kind of smells to me.
To me, it's watching a bunch of grown adults in some weird mix of panic, fear, weird hyper-consumerism and premeditated vengeance.
I'm not against being prepared (I see being prepared different than being a "prepper"). I live in earthquake country, with the occasional mix of wildland fire, flooding and other stuff thrown in. So, I get it. I have no plans to shoot my neighbors, quite the opposite, I hope I can help then out.
And, unlike some, I don't think the gubbermint is out to get me.
1. Short haul communications to stay in contact with local family and friends.
GMRS? Pre-established channel. PL? Pre-established community channel? Also with PL?
What are the other options here?
KISS method: Keep it Simple Smittie.
Basic GMRS or FRS radios. Be reasonable. Your wife/kids/whoever are not going to want to figure out what magic keypress puts the latest POS Baofeng Chinese radio into which mode. Ideal solution is a single channel radio with a combined on/off/volume switch. Most difficult thing they should have to face is finding the radio. Everything else should be operable with a pair of gloves on and blindfolded. Anything more complex than that and you've lost the game. If you want to have fancy radios, then keep it separate from the ones you plan on using every day.
2. Long haul communications to reach outside the effect area to communicate situation, status, and needs.
10 meter? 11 meter? CB on SSB? SAT Phone? Garmin InReach/SPOT/ZOLEO
Who are you going to talk to that would be considered "long haul"?
If you are talking about your immediate family, you probably should not be that far apart from each other in a disaster.
If you are talking about communicating with others, think carefully about what you actually need. I would not rely on CB'ers or even ham radio operators to help you out in an emergency unless they are next door. The only benefit I can see to ham is that you let someone know you are there and need help, probably like a few thousand other people in your area. Maybe get an "I'm OK" message to someone out of the area.
Unless you have a specific person you need to talk to in a disaster that is out of GMRS range, skip the investment in expensive HF gear.
In most disasters, you'll have options. It may not be immediate gratification, you might have to wait a bit.