As for stairs: I would invest in putting in ramps instead. We all grow old and can trip on those nasty steps. A broken bone for an elderly person can mean a walking cane or a wheelchair. A wheeled cart can be used on the ramp and can be helpful for taking your stored goods right to the basement from the store with no problem.
Here is one I bought that has taking a lot of pounding with lots of heavy cases of bottled water and garbage. It is very affordable, too.
https://www.amazon.com/Whitmor-Deluxe-Utility-Cart-Black/dp/B001DZ4QTC?
If you want to prepare for the worst, you can hide your basement door entrance with a Murphy door (that you can build yourself) or buy here:
https://www.themurphydoor.com/
The only thing is that you would have to hide the basement windows without blocking any air or light too much. A row of fake or real bushes around the house in some mulch may be an idea (if you want to hide the basement as a second secret living area or panic room).
As for trash:
I would build a shed and place it a good distance away from the house and place inside the shed one or two waist level large storage refrigerators (possibly cooled by electricity if you can afford it) so as to put your trash into them. I would keep the shed well ventilated with some fan options in the ceiling or roof and a window or two. This will help minimize bugs, bees and animals wanting to check out what waste you got. Also, having the trash next to the house will make bugs and animals even more curious to enter your home. Also the smell of trash near your house is never fun if your trash guy did not come that week (for some reason).
In addition to this: You can create a cheap small stone sidewalk to the shed from your house and to the street so you can wheel a cart to pick up trash and take it to the street for pick up.
Granted, I would take extra measures to insulate your home against bugs and animals as much as possible in the building stage that is within your budget. Then spray regulatory around your home to keep them away.
Anyways, these are just ideas that are optional, my friend. It may not be your cup of tea or something you want to waste money on.
In any event, I hope these ideas inspire or help you in the building of your home.
May God’s love shine upon you today.