I have been through Greensburg, Kansas after the EF-5 tornado hit the town.
The damage was inconceivable to me. There were houses where the only thing left was a damaged concrete slab with a few shattered stubs of plumbing pipes sticking up.
I too would not trust my life to an aboveground tornado shelter rated to 250 mph wind speed. I have seen video of tornados rolling cars at high rates of speed. The steel plate is not sufficient when struck by a car travelling 60 mph.
I want to be underground, and preferably with two exit holes!