There are legal procedures for anything important (eg. financial accounts). You don't need the password, you just go through the legal frameworks that have been set up for years.
Almost everything else mentioned just doesn't matter that much. My personal site? Why would my wife want access? I guess maybe to put a "good bye" not or something but in the long run it doesn't matter.
My emails? Again, why would my family care? It'll rot away just like I will! (morbid, I know, but I liked the humour!)
The creative stuff I have made is either easily available on the web, or I intentionally don't want it shared, so whatever.
Social media posts and the like are unimportant.
Photos maybe? I have those backed up on an SSD, no password needed for that.
I used to care a lot about this, but over time I just realized how unimportant that stuff is once given a long enough time frame.