First off, I agree with joining your local Cert group or SAR. You can also contact your local Emergency coordinator and get in with Races after you get your ham radio license.
Then you will be legal as long as you follow the rules that are set up.
In a real emergency, you will have lots of GMRS/FRS and some Murs as well as CB on the air until their batteries run out. Most people are not prepared for long time use of their radios as they will not have the means to keep their batteries charged.
Also, most hams who have been around for a while know how to stay on the air and get around the idiots who think they are some kind of do good'r with their little radios.
Is it important to be able to communicate in an emergency, darn right, but it should be done in a legal way and with the proper equipment. Too many people on the air asking stupid questions will hamper comms that are of an emergency nature. Checking on neighbors can easily be done with FRS radios. Due to their short range, they should not cause problems.
Best thing one can do is to monitor the airwaves to find out what is going on and only get on the air for a real emergency, not to find out if so and so road is open.
And if you think that the bad guys won't be scanning to find out where the best places to pillage are, you are dead wrong, they will be.
What I read in threads like this is the guy who wants to be Capt. America. If you really want to help, join an organized group who has professional comms. It's a great idea to also have other ways to communicate for real emergency's, but the problem is one of maturity. Too many will not use their radios right and will clog the airwaves with useless garbage.
My 2 cents, John, Licensed Ham, Gmrs, Races and Ares operator. Who has spent many hours training to do the right thing and am not afraid to do something meenial if necessary.
Real emergency Comms are planned for and protocalls are in place, be a part of the solution, not the problem.
P.S. For the guy is afraid of the digital repeaters, most all of them repeat regular analog radio signals also unless you are talking about something like D Star, which will be of little use in an emergency.
People who put down Ham operators must not be Hams themselves. 90% of licensed hams know what to do and will get you help if you need it.
The key is to get a good scanner and listen, you will find out far more about what is going on than keying up your radio and asking. Save any radio Comms for real emergency's.