This is about removing pressure, not performing grief.
The minimum is burial or cremation carried out lawfully and safely.
Everything beyond that is optional: service, venue, vehicles, flowers, music, printed materials.
Write one clear sentence in your notes or letter of wishes:
Budgets reduce panic. They also reduce manipulation.
If you do not want money spent, say so clearly.
Funeral plans can help, but they can fail.
Some plans have collapsed in the past and left people stranded.
If you prepay, understand you are taking provider risk.
An alternative is to earmark funds through savings or insurance and leave clear instructions.
A lavish funeral is not respect. It is a choice.
If it harms the living financially, it is not a gift.