Can you post the amounts and rates of the debt?
ITA with slappy -- the kinds of expenses you noted are not "unexpected," because you know they are likely to happen at some time, just not when or how bad. Before you retire, you need to build a reserve into your monthly budget that appropriately accounts for those sorts of periodic things; you don't want to get into retirement and having to call on the CCs or some other financing scheme because you can't afford to pay the bill in full.
The question is when to start that fund -- and that's what depends on your debts. If you're paying off a 4% mortgage, then put that on hold, build up your sinking fund, and max out your 401(k). OTOH, if you're paying 25% CC rates, keep the bare minimum in cash, invest in your 401(k) only to the match, and throw everything else at that ridiculous debt.