Here are two recent threads on point. I suggest you read them both.
My wife is a now-retired estate attorney. Simplifying my several contributions to those threads, you don’t “need” to do anything, but you really, really ought to do some planning. But putting that into effect may not be as complex or expensive as what you hear about wills, trusts, etc.
By failing to plan you’re deliberately planning to make your kids’ lives harder and more expensive (perhaps vastly more expensive) than need be. It’s a loving gift to not do that out of a childish squeamishness about the reality of eventual death for us all.