Okay, here's the thing -- let's say you get the beater car (or keep the Benz, or whatever other non-Prius options you're considering) and the bicycle, as was suggested.
And then along come gasoline shortages, where it's either unavailable or really expensive.
What do you do? You ride the bike, right? If your beater car is a Geo Metro, perhaps you can squeak by continuing to drive on some days, since you're using so little gas.
And what if this continues on for weeks, maybe into bad weather even. With or without the electric outages.
Do you think at that point you'd regret not having the Prius?
No, you wouldn't.
Why?
Because you don't live in a societal vacuum -- imagine what everyone around you will be going through when gas is unavailable or $25/gal. They will be panicking, their wallets will be empty, they'll be taking up THEIR bicycles in droves. And none too pleased about it.
Do you really want to be the only one driving around in a spiffy plug-in hybrid in that situation? I sure wouldn't! Talk about a sitting duck target!
I definitely vote for the Geo Metro, the bicycle, and/or the 'lectric scooter. Maybe even one of those motorized assist bicycles, so you don't have to sweat into your three-piece suit. You could even get two bikes to hedge your bets about which shortage will occur, one with electric motor assist and one with the little gasoline engine that holds a quart of gas and gets 250 miles/gallon, and still come out way ahead from your $43k.
Heck, some of us could build a whole house with that much moolah!

"... among the ways available in which a man can die, it is a rare and signal distinction to be killed by a leopard."
-- Raymond Dasmann