All of the above and I don't know whether this really counts as seeing it live on TV exactly but I had just come in very late at night from a baby sitting job the night Princess Diana died, switched on the television and the coverage had just started.
Obviously, I couldn't just go to bed after that. I watched the narrative progress through the early hours of the morning, switching from the BBC to ITV and back again, over and over.
At first, she was fine. Cuts and bruises. No need to worry. Then she was a bit worse. Then...
I distinctly remember Matthew Parris being inyerviewed on the BBC at about 4am blurting out something like, "She's dead. I'm telling you, she's dead." then him being bundled off set or the cameras quickly switching to something else.
I don't think his career ever really recovered after that ten second outburst. I've looked for that clip several times over the years on the internet but it seems to have disappeared. I don't think I imagined it.
I think it must be some kind of treasonous act to declare a member of the Royal Family to have died before an official announcement.
In any case, that was not obviously the most important aspect of the tragedy but it stayed with me. Maybe it was just an example of, "Well, he's only saying what we're all thinking."