My biggest fear. Head injuries have me questioning my memory often

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I was debating giving the kids an important 24 word spelling test.

Hide them in an Ottendorf cypher on the back of the Declaration of Independence

That's a solid idea

Age does that too

I'm getting there as well.

no way around that. spoiler alert, nobody gets out of this alive!

Yep and that's why I'm worried about how to set up something for my really young kids. My concern is how to not have them get rugged in the process.

I would just setup a main-net address and start funding that every month for the next 10 years. get a heat resistant steel plate and put the key (BIP-38 encrypted) on there or the seed (BIP-39 encrypted). It's the best solution imho.