If I die (let's be honest, that will probably happen), would my wife or family get my coins? What if they don't know my passwords/private key?
You can stick to all the technical solution to it, but my two cents, is go ask you, now do you trust your wife or child(ren) right now and if by chance death call you now do you think they deserved it for real and not because they are for family? If so you can make things less complicated and work with the answers you give now, if you trust your wife or child (ren) you can let her into some secrets but make sure you trust her, they are many lost bitcoin already due to this uncertainty of unplanned death.
Majority of men on here on this forum doesnt really trust up their wives for sure even myself when it comes to finances yet we know that but there are people or men who do really give all their trust but honestly who would be the ones will really be benefiting all of your hard work?
Of course it would be your family but there are just some personal reason on why we cant just trust up even on family members
which i dont able to explain it well.