I will focus on one point of your post: what happens if I drop down dead?
My wife has a list (updated monthly or so) where I keep most of my assets and how to get them. But keeping everything in sync regularly is a task on it's own :(
another thing is "would she know how to withdraw the assets?"
I guess I need to set up some training schedule :)
Yeah, get her trained and make sure that just in case, you have someone you trust to help. I have several :)