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.
You are right about splitting the information that leads to access the coins but that too has problems. For example, if a lawyer has drawn up a will which is to be opened in the event of death he knows which part of the private keys he is to keep and he knows which family member to release it to. Therefore, the lawyer
knows who has the other half of the private keys and access to potentials of thousands of US$. Is it always a good idea to give 50% of the keys to one person and tell him which of your loved one has the other 50% even if it is a lawyer?
This is (as you put it) the very tricky part because a balance needs to be found.