It's more circumstances for me. I don't want to CTB while my Dad is still alive. I wouldn't want to do it midway through a project and leave an employer in the shit. Celebration days aren't really so relevant for me because I'm not around people. Even if I died on their birthday, they wouldn't be informed for a couple of days. By the time I go, there will be far fewer people who will even think about it that much (I suspect.)