As far as the "replace once a year" thing--sterile water in a sterile container doesn't go bad. I rinsed my aquatainers with tap water--already chlorinated from the municipality--and just filled them.
I think you have a good plan generally. The only thing I'd be concerned with would be freezing, but even then, you could provide supplementary heat in a number of ways, and if you insulated the tank (wrap fiberglass insulation around it, build an insulated enclosure, something like that), it would hold heat much longer. It takes a lot of energy to change the temperature of that much water.
If it's insulated, it wouldn't take much to keep it above freezing. Wrapping a gutter heat tape around it would work, a 60-watt light bulb underneath might be enough so long as you capture the heat so it goes into the tank and doesn't leak out the sides of the pallet.
I wouldn't put all my eggs in this one basket--I'd have a few cases of bottled water, maybe a couple of Aquatainers or similar, and I'd add some calcium hypochlorites (pool shock) for purification, and some filters (the monolithic filters are wonderful for the price).
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