It is a lot of money, the Co-op is not cheap either, that sounds snobbish (wonder if you get divi?).
I don't know about a 'bad' funeral as such but some years ago I went to the funeral of an older cousin whom I hadn't seen for donkey's years; I went with my other cousin, her sister, who lives not far from me in London.
There were very few of us at the funeral, her children of course, their spouses and one grandchild, another woman, my cousin, me and cousin's friend. The CofE vicar who'd been booked was like Dick Emery (if anyone remembers him), the same grin and teeth. When he spoke (he'd been given a resume), he got names wrong and whisked through it all. Nobody knew him. Then it was over.
I felt it was all a bit fake in a way. However her children were very good having her funeral up here, they did that to make things easier for her sister who wasn't up to travelling. So you can't have everything.
Like someone else has said, I'm going to have one of those simple cremations - more and more people are doing that and it makes sense to me. If anyone wants to have a drink and meal in memory of me at a later date, that's up to them.
My husband's funeral was quite expensive, more than I thought it would be. My son organised it and there were about 100 in attendance and at the wake, which was in a restaurant, sixty or seventy people. It went off very well but we'd decided he should have a woodland burial, he himself had said at one time he thought that was a good option. It was very beautiful (even though it poured with rain and was muddy :-) ), which was unexpected because it had been so very hot up until then, but cost more than I'd bargained for. Never mind, that's life (& death). I can have my ashes either buried in or scattered on husband's grave, will plant some bulbs on there to come up next year.
We didn't have cars, only one for me and son following the hearse. Everybody else had their own transport, my cousins came by taxi. We offered lifts to the wake in our car but most people were sorted. Also we didn't buy a very expensive coffin, it will biodegrade or whatever they call it. Those caskets that some people have for the woodland are unbelievably expensive.
I'm glad we did that for my old man. A friend of my son, who is a musician but does other things, speaking, being master of ceremonies and that sort of thing, did the funeral service at the graveside which was very good. My son also spoke, he'd written a 'script' and some of that was very witty towards the end. I spoke off the top of my head at the wake. It was good as far as something like that could be. It wasn't 'flash'.
At the wake, the guy who did the funeral service arrived a bit later and said he'd driven home to have a complete change of clothes, he was soaked! Bless him, he was more exposed than the rest of us, we had trees over us and most of us had umbrellas. All we got were muddy shoes.