Thanks Momtoone! I totally agree. To say it is all about the money (when it doesn't sound like this is much of a money issue - unless they don't want to do a funeral at all) it sounds like more of a convenience/comfort issue. I do see the reason to discuss, b/c basically it sounds like some people think that once the person is gone, it doesn't really matter what they wanted. Which if you are not religious, I can actually understand that - so I am not faulting the OP as much as some of the commenters. It seems like all they are considerate about is the $, bottom line, regardless of the wishes, relationship, etc.. of the MIL. Now if there is bad blood between the MIL and her children (if she mistreated them as children in some way) then maybe that would make them less respectful, but otherwise, I would honor her wishes if at all possible w/o causing hardship to my family financially.
As a Catholic, however, it is kind of offensive the way some SEEM to be referring to a Catholic church funeral as an extravagence. It is not like a wedding. It doesn't have to cost much more than the usual nominal donation to the church, if that. If I am taking them wrong, then I'm sorry, but that's how it seems.