I'll bet many who were "just buying what I needed", or just stayed below the threshold of "pissed wife", or just complained about having to buy a brick of 209's when all you needed was one 50 pack.... wish they bought more at the time when they could. I know I do on some things.
I've had this niggling thought in the back of my mind for the last few years, that being, I'm not bulking up for myself. I'm doing it for my kids, and they'll probably be glad I did. Not just on ammo, but parts to keep things running.
EDIT: Heck, I'm saving packs, sleeping bags, all sorts of stuff for when the kid is older and will need it. I dunno if I'll be around or not, but I'll have done my best to provide just in case i'm not.