Having to fight my way back to the family, house and guns is the scariest and most tricky part for me.
I would trust a zombie before a human. At least the zombie's intentions are clear, and you know what it wants.
2 of the truest things I've heard in a while. I've always figured home would be my downfall, either trying to make my way to it instead staying put, or trying to defend it rather than bugging out.