As far as the discourse is concerned , a lot depends on the speaker. I knew an elder ( dead now ) who used to give really good funeral talks. He loosely used the WTBTS outline but made it personal & tailored the talk depending on the audience - eg if there were a lot of "worldly" relatives there he weaved in a lot of the history of the deceased - conversely if it was a mainly JW audience with few worldly people there ( eg a Bethelite or a JW with mainly JW family ) he stuck closer to the Society outline.
I understand that the elder giving the funeral sermon has to cover a certain outline but they could be a little creative and bring it back to the deceased instead of quoting one scripture after the other. Just comes across as uninspired and tacky.
I do remember a few dire JW funeral talks though. One about 30 years ago was for something of a marginal JW in our congregation who was a bit of a creepy guy and would probably today be regarded as a marginal paedophile. All the kids my age just regarded him as a smelly old man who was overly friendly and one to avoid - most congregations had them in those days. The speaker ( who hardly knew him ) stuck rigidly to the outline & kept saying how people should copy the "fine example" of this JW. A few eyebrows were raised and I could see a few of the relatives weren't impressed.
We had a few of those in the congreations I went to. Now we these types would be labelled as a pedo to keep away from. I Iremember one old fellow would always give the children candy. Maybe inocent but you never know.