The insistence of "no speculation! Nooooo!" on Aviation accidents amongst pilots is silly.
If I crash, I'd want y'all to think of every possible reason it might have occurred and DON'T DO ANY OF THEM.
And as aviators, we owe at least five minutes of time to our significant others to tell them that people speculate about accidents and if we ever have a serious or fatal one, they're GOING to hear things.
And oh yeah, remind them that humans do screw up sometimes.
I'm saying nothing about this particular crash, but golly folks... people acting like its taboo to discuss fatal accidents in our sport/work just because it's one of a few avocations where there are pro investigation teams (many hobbies don't have this), is ludicrous.
Talk. Learn. Discuss. If people screw up and come to the wrong conclusion, and the pros later correct it, there is zero harm in it. Frankly, the dead pilot won't care and if they even took five minutes of time to discuss and plan with SOs about the realities of our flying, the SO isn't going to be bothered either. We must be honest with them and explain that well over 80% of fatal accidents are pilot error.
Go have this conversation with your SO now: "Sweetie, I might make a mistake. And if you go looking for it, you're going to find some folks guessing at what I might have done to kill myself. They may be right, they may be wrong, but I would want them to discuss it because any possible scenario they can avoid because I either did it and was a bad example, or that they even THINK I did, is better for aviation than them not discussing it."
The keep your opinions quiet is a leftover from military and test pilot aviation where folks die regularly and others just hold all comment and strap on another airplane the next day. It's neither healthy nor normal human behavior.
The insinuation that it's "respectful" is overblown, IMHO. You either learn from others mistakes or you make your own.
We've all known someone pesonally who crashed and dies in aviation eventually. All it takes is time. It's a rare aviator who reaches his day to hang it up who didn't meet a single other pilot who died flying. The more you meet, the greater your chances.
Why not honor them by looking hard under every rock for things they might have done that we should avoid? Waiting to assess doesn't really help. Getting a professional opinion 12-18 months later is great. But there's no harm in talking about it before that.