I have not gone thru the process in FL but have done it several times as the executor and helped clients navigate the estate plan as a financial advisor.
One thing to consider is who is your executor and what experience do they have with the legal process and with finances?
On non-IRA accounts a TOD is not a bad way to go if you do not have a lot of beneficiaries you want to leave money to.
Keeping as much as you can out of probate is always best from a time and expense standpoint point.
As you age you may also want to consider making bank accounts either TOD or joint with your executor.
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