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Based on many years of experience and taking care of 4 family members - it makes all the difference in the world to have this in order to expedite care - we had a cousin to take care of after a TBI and he had no POA or health care proxy. Fortunately, he made a remarkable recovery and was declared mentally competent to sign a POA. We had to arrange for his lawyer to come to the hospital with the document for him to sign so that we could expedite the process. He still had a long road ahead of him with rehab, etc. for which we had to make decisions. Without this document, we would have had to go to court and file for guardianship - would have been a mess.
It is so stressful dealing with the difficult and stubborn parent - been that route too. Good luck and hope she changes her mind for her sake and you and your brother.
If your mother wants any control over her health care if/when she loses the capacity to speak for herself, she really needs to have something official, in writing. It is good that she at least has the rest of the directive filled out, but there are always details that crop up that aren't exactly covered in the directive. Then what?
If she can't make decisions, somebody has to. Would she rather it be someone who knows her and loves her, or the strangers who wrote the hospital's policy on such matters?