Rocm
All good points and I agree entirely - but if I do get struck down by that wayward BMW tomorrow, my wife knows plenty of Bonsai friends who will be soon round to sort out the trees.
As for possible drought in the UK

if only

Our major problem over the last few years - even in Summer - has been keeping the trees from getting too wet from all the heavy rainfall !!
If I get too fragile and start seeing a decline in Health in my latter years - no doubt I will have disposed of some of my "prized" trees before the Grim reaper arrives.
At the end of the day, you also need to be realistic with any valuations you put on trees, and work on what someone in your local club might pay.
I know one of the Bonsai Associations here in the UK started to set up a register of "Important Trees", so that plans can be made to provide for there future on the passing of the current owner. I'll look it up and post a link - since that is something that could be tried elsewhere.
Best Regards,
Ian