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To me what path is best depends on your unique financial situation and really that is something you & your son can discuss with an elder law atty. Not a DIY.
There are other legal documents that are important that most people don't know about, like a Medical Directive. And also to see if your assets would do better if placed in a Revocable Trust to help avoid going through Probate. None of this is a do-it-yourself project as all it takes is one missing or misplaced word to mess everything up.
It depends on what "power" you want him to have. But I agree with gladimhere, it sounds like you need a will and trust. Your son would be your trustee and you would have all of your papers in one place listing them as part of the Trust (house, bank accounts, insurance, etc). As your Trustee he would then pay your debts from any proceeds of your estate. Doing this prevents your property (bank accounts, etc) from going into Probate which can be a lengthy and costly process.
Best of Luck
Margaret