First off all, my heart goes out to you and your fam Rick, and I'm glad your ok Sean.
I'm not a big fan of roadside memorials any more than I would be if someone put an X where someone dropped dead in a house, school or store. They may slow down some drivers, but my guess is they cause more of a distraction.
For the most part, even though there are things I still want to accomplish in this life, I'm perfectly at peace with my own mortality and what lies beyond. And both my wife and I have term life insurance, so if anything happened in the near future, we'd be able to grieve without worrying about money so much. Imagine raising four kids and trying to pay all the bills as a single parent while grieving at the same time. No thanks.
However, this post did remind me of few things I should get done sooner than later:
1) Get wills done for my wife and I so that if we both died together, our kids would be set up with who we'd want them to be raised by.
2) Get an "I love you" paper done for my wife, so if I did die, she'd know how to access the stuff I mostly handheld, like bank accounts and such. So basically a list of were to go and what passwords to use.
3) Spend more time with the kids. Especially, one on one time, which is not always easy with multiple kids.
4) Take better care of myself physically, if for no other reason than my family's sake.
It may not be fun to think about this stuff, but if anything did happen, it would be very beneficial for the family.