I'd be more afraid of leaving something undone. I wanna go with a clear conscience (having said "goodbye" to all my loved ones) and having someone close to me when I go.
I'd say, "Tag, you're 'it'" and then die.
If I have to clear my conscience before I go than I hope I have about 10 years. That could take a long time.
I can see what you mean about saying goodbye to loved ones. But I think the people I love already know that, so not much more can be "said".
Remind me not to play tag with you.