Preparing a disaster kit and time capsule

Slowly moving my characters to towns - I'll have to screenshot my skills though or write them down, especially my higher level characters. My low level characters, I don't mind as much.

I have most of my mesos on one account. Is it better to disperse it to other accounts or just keep it where it is? :|

If you're the paranoid type like me you could move some of you mesos and a few good items to another account. But I wouldn't go to too much effort.

Then there's the question: which is the safer place for your mesos and items; storage npc or character inventory?