Ok but—
I. Dont. Care. So what do I do?
Should I make a cheapie plan and pay for it? And then, if DH or whomever wants to add to it later, they can?
If I make a more elaborate plan now, I can hardly back out into something cheaper later, right?
I absolutely understand that people in grief do not want to make a ton of small procedural decisions.
I do not understand how I write a plan now that is flexible for the future.