What contingencies should I be planning for in day to day life?

Those related to what you do and where you go in day to day life. The only people who need to worry about a micrometeorite punching a hole in the spaceship get training for it already.

These might include such things as: locking yourself out of your house, having an auto breakdown, being confronted by a mugger, being in an unfamiliar building when the fire alarm goes off, coming upon the scene of a serious accident, where to go and how to get there when widespread flooding is imminent, being stranded in a foreign country without funds or a ticket out, when to see a doctor when a mole you've always had starts growing, getting old, and so on.

Do you have insurance for anything? The list of what it covers is a list of contingencies. If it's worth spending money for the monetary compensation, it's worth thinking about how to deal with it if it happens, and how to stop it happening.