I agree that I wouldn't initiate such a conversation. But if someone was to open that door with me, I'm not sure I'd know how best to proceed. I guess it's just something fir now that I'm glad to be cognizant of, although it may just be a matter of te before it becomes real, e.g., with my parents.

Thank you, ladies, for a thoughtful discussion about a difficult and loaded subject. I gain so much from your collective wisdom and experience.