Marine Cpl
.577 Tyrannosaur.
Everything you say is correct except for the bakeries. Those bakers can be dense!Most hired help "store clerks" in the grocery stores, I would agree with you. Small business owners (gas station, bakeries, hardware and the general store types) will take PMs at the first sight of a nation wide catastrophe, or they will shut their doors immediately. If a nuke detonates the paper you have will only be useful starting fires. All the small store owners I deal with have radios tuned to the local stations, they will know what you know right off the bat. A few small PM coins on your pocket wouldn't hurt.
On a serious note, you are pretty high up north there and the people think differently . Down by us, we have Indians at every 7eleven and gas station. They will take your money.