My whole family had this talk and we decided my husband's going to die first. He saved me from the car accident, so it's his turn.
So I told the kids, pick whatever they want, and then let whatever's left go in the way I enjoyed my life - have a big auction! Let it go to whoever bids the highest, knowing that at some auctions, things were grouped together until someone wanted to bid something!
The auctioneers will do all the work, carrying things.