If we later decide we don't need it

Thats my plan too, live forever.....j/k

On a serious note, pre-paying for those things are effectively lessening the burdens on your kids. One thing me and siblings were really grateful for was that my Mom had everything already sorted when she passed....burial plot, funeral cost, even wrote out what music she wanted for church etc....

When a loved dies, it can feel overwhelming to start making those kinds of decisions (and its even more complicated if you can't access their money at that moment), so that type of preplanning is good for kids.