It really depends on what you think the future catastrophe will be like. I plan on keeping a plate carrier's worth of mags loaded in case I need to go "do something", as well as a few dozen more loaded mags in case I need to fight a mob at my house or someone else's property. If my mags ran dry when defending a property I think I'd have time to reload them behind cover. The additional thousands of loose rounds I hope to have will be for reloading magazines in between fights. The U.S. government will probably ban 5.56, 9mm, and other "assault calibers" at some time in the near future, so that's why it's good to stock up.
The bigger the stockpile, the more sense the clip fed rifles make, albeit none of relevant calibers or designs are available. I hope you can see the value of clips beyond just the available guns on the market. A 20-30 round internal magazine would make external mags obsolete for all but dedicated police or military use.
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