from your perspective the key is that you can transfer to someone else's savings triggering interest payment on their account.
They(family) would have to trigger my account by sending 0.001 HBD to my savings.
My ACTIVE-KEY shouldn't be required for witnesses to credit them HBD instead of me. The only time I would need it is when I configure who gets the payout, as so:
RE: Hive soft fork 1.27.3 is being deployed, what's changing for you ?