The urgent version is a hospital, not a will
Most of the worry is not about dying. It is about a night in A&E, a delayed flight, a fall on the stairs. You are fine, and you are also not going home, and nobody outside the house knows there is a cat in it. That gap is measured in hours, and it is the one Y.O.D.O. closes: miss a Check-in, let the buffer you set run out, and the people you named hear about it.