Having that stuff, you get responsibilities that are all but impossible to imagine otherwise. Without my kids and GF I would do one big summer tour and spend the rest of my time hiking, climbing and skiing in Tahoe. But my GF made huge sacrifices to be with me, and she asks, in exchange, that I not bug out for 4 months at a time and leave her here alone. And I feel the responsibility to my kids to pay for their college, because I told them if they made it to a good school, I would pay for it. Damn if they didn't do it. So, I still work.
And, when I die, I do not want to burden them with that. I would hope their grief would be enough. The rest has been taken care of and paid for. Hell, I even put the songs I wanted for the wake or whatever on a CD. And the will. Who gets what. And some statement of why. Your young, and I'm old, and in the difference in those years are real estate, insurance policies, personal effects, and other property that needs to be distributed.
I also have a close friend who has keys, passwords and all the rest so that certain items, including my hard drives will be destroyed.
If your not there yet, I'm sure you will be.