You make valid points about making family and loved ones having access to funds in the event of death or disability. The problem is how do you find that fine line between not effectively handing them the crypto in your lifetime and ensuring they get access to it after your death or disability?
That's the tricky bit and that's where you have to very carefully consider your trust levels. You could split the means to access coins or info with family and a lawyer or something but that could be open to being games.
I'm leaning towards assuming I'll be same and not dead enough to wait until the last moment before taking a risk.