You do have enough. 

If shit gets really crazy you can only physically carry so much. And things like food and medicine would be way more valuable than stack. 

So the question really is, do you have enough for a financial boost now if you can’t keep up with your debt? And I think the answer for you is yes. 

As for me... stack is for fun. I am not counting on it for squat.

Personally, I completed "my stack" almost 20 years ago when the world was coming to an end.  Today, it is little by little, nothing special, I just try to buy at least $1.00 or $2.00 face value junk per week.

i'm basically just stacking weight right now, having only started this stack last september. there are a few nice rounds & coins in there as well but it's mostly just boring stuff. i'm happy that i've been able to add as much as i have so far but there is no way i feel close to any target. i'm hoping to add another couple of pounds before the end of the year, again probably canadians (i like that extra nine). i'll most likely keep adding at this rate as long as the gold/silver ratio is above 90--ultimately all this silver will become gold and i'll look at starting over, watching that g/s ratio. 

my steem silver rounds and certain coins/rounds will never be sold though. there probably isn't a ratio low enough to make me give them up.

I am with @dfinney. I think stacking is fun and I like the different designs but can't really imagine trading it for a sandwich or a gallon of water. 

Personally, I think if things get really bad, bullets would be good currency. 

I don't really think silver will be much for trading/buying. If the dollar is gone...what would people do with silver since most are not able to make things out of it.

My goal has always been to have my personal weight in silver. I am almost there.... but I seem to be struggling this year aa well. I think anyone who has goal of atleast 1500 oz will be very happy they did. You and I k ow that one day $15.30 an oz will have the greatest return in history. Wise man once said 500 oz of silver should be able to purchase you a home... my opinion brother is this..... KEEP STACKIN, and no that every year you may not reach your goal, but every year you stack at these prices is a blessing!!!!

Surgery for what, bestie? That is in a couple of weeks. I shall pray for a successful surgery.
The composition of my foundational stack (ASE, US Constitutional silver and fractional gold) is what it is because, on my second year of stacking, I finally discovered my personal answer to the question: Why am I stacking? 
It is a worthwhile question that must be asked by a serious stacker of him/her-self.

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Sorry you haven't been able to get as much as you'd like. I know the struggle. I think most of us are wondering if what we have is going to last us. Even people who don't stack wonder if what they've accumulated is going to continue to get them through.

Personally, I'm not where I'd like to be. I'm thrilled that I started the journey, but I still feel like I have a ways to go. That being said, anything is better than nothing because most people will have dollars which will be the same as nothing.