I had most of this done already, but about a year ago a friend of mine -- very healthy! younger than me! -- literally dropped dead. It was a bolt from the blue, for sure, and the trouble that followed for his widow was a wake-up call.
For some reason, he and his wife weren't on a "family" plan with Apple, which meant, from Apple's POV, they were just two customers, and lawyer letters and whatnot would be required to get her access to even his pictures on the phone.
Apple NOW has a feature that allows you to nominate a "digital legacy contact" for your Apple data. If you're on iOS, I RECOMMEND IN THE STRONGEST POSSIBLE TERMS THAT YOU CONFIGURE THIS IMMEDIATELY.
https://support.apple.com/en-us/HT208510
As for the rest of my digital life, everything is in a password manager, and my wife understands that the master password for said vault is in the safe.