In my own mind this is rather a moot question. Personally I have no intention on dying but do have plans in place in case that happens.
Lol - I think about the questions like this: If I had all the time and money - I'd travel more. I'd work less - but not quit working altogether, as I enjoy my work. If I knew that I only had 5-10 years - I'd travel more. I'd work less - but not stop completely. If I knew that I would die tomorrow - I'd make sure everybody knew I loved them and how to access my accounts.
Since question 1 and question 2 have the same answer, I guess I should focus on that. Can't travel more right now and really not until CMM passes - but I can save for that. Not ready to cut down my work hours yet but am looking at my retirement finances and trying to prepare to make that feasible.