I agree that 5-10% is more of a recommendation for normal times. These aren't normal times. This is a time of incredible transition/destruction.Those 10% allocations are for garden variety (every 80 years of so) Depressions and the occasional systemic failure. Everything about this NEXT one (from debt levels to open genocide, to unmasked Evil) says it will be of "Biblical proportions."
Recently, I've been reading a book entitled "Savage Continent" which examines Europe in the aftermath of WW2. We Americans, Canadians, Brits, etc generally have no clue how bad things were on the continent. Conditions were truly horrific.
I think the future might be worse.
Personally, I didn't start buying silver or gold until I had a 6 month plus cash emergency fund, 3 months plus food storage, a large garden plus fruit trees etc, and finished paying off the house. That was around ten years ago when the world was less crazy.
Today, I would recommend getting at least some silver long before one finished paying off his mortgage.