I agree that funerals are for the living, or even the lack of one.
Personally I think it should be up to the family to decide what kind of funeral to have, or not have, for the person who died. The person who died doesn't know the difference. I think if the family wants a funeral, fine. And if they don't, that's fine too.
That said, DH and I have talked about it and he doesn't care what we do with him. So, if he passes first I plan to have him cremated and put in a nice urn to have with me in the house. I feel it would be more comforting to have him here, rather than buried in the ground. And I would want just a short graveside service, a private one for just the immediate family and a few friends. Our son has a problem with cremation, but I would hope he would honor my wishes since his Dad doesn't have any of his own.
Now if I pass first, I couldn't care less what they do with me. If they want a funeral with visitation, fine. If they don't, fine. I won't know what they do, why should I dictate what "must" be done? It should be their choice, whatever they are comfortable with.
My parents pre-planned/paid for their funerals several years ago. Dad died 2 years ago and Mom had the long, drawn out 3-day visitation, big funeral, graveside service, and big dinner at the church (I don't "get" the dinner thing either). It was so hard on her, and I hated every single minute of it. But it "had" to be done. For who? Dad didn't know what was being done. And it just put Mom and I through more stress that we really didn't need at that time.
Funerals are ridiculously expensive, my parents paid over $16,000 for theirs. Money that could have been better spent in my opinion.