Mike it's all coming along, great to hear.
We are with RACQ, the Queensland version of an auto club. As mentioned, in one and you are covered nationally by the other states version of a club. We upgraded to the top level of break down/road side assist as it offers a fair bit of "piece of mind". From simple inconvenient break down towing to serious accident and loss of vehicle, the top level covers accommodation, replacement vehicle and a whole lot of other stuff.
We have gone for a Satellite phone and epirp as our remote communications. Epirp incase no one can make a call, but can hit a button. And a phone to call the exact person we need to. Normal radio works Ok at night with a good aerial, and we have found it OK for weather updates most of the time. Hopeless during the day reasonably remote however.
A HF radio can solve much of the above but for me I have heard a lot of people have clarity issues. They seem to suffer from feedback a bit. And they are big taking there fair share of cabin space. The other is the are quite expansive as well. The kids don't know how to work one either I'd imagine until they are 10ish.
the winch, the dam winch. If you have an auxiliary battery then you are over half way there. I don't use mine much, but the piece of mind it give me to poke my nose down some beach, river bed, or forested track is well worth the $800 I paid for it.
Water, 115lt of water is enough for most things in Aus. There is boxed water if you find yourself going on some long remote haul. Carry a hose, with a hose and tape fitting. Some places won't let you use theirs to fill the tanks as selfish people have pinched the supplied hose. Plus you can fill from anywhere if you ask or have to do a night run.
Navigation, For me I like paper maps with a simple GPS to cross reference. A small lap top to communicate with the outside world and store digital maps to still cross reference with the gps. I like to read the map and form a lay of the land in my head, not just follow the line on the navman.

