BGO: There are grandfathered IRR/BGO folks (I think of you were IRR AND a BGO like three years ago) who can keep submitting points, but it’s not an option to transfer to to the IRR now and get points as a BGO. Also, it sounds like there’s been some abuse by current IRR/BGO folks (claiming 3hrs/day for two months straight, for example), so even that is getting clamped down on.
Also, unless things have changed, you can’t get points unless you go to the early summer BGO training at USNA. I’d imagine this years is cancelled or at the very least you couldn’t get a spot at this point.
For other folks, BGO is a good deal, especially if you can get points for it...maybe in the VTU?
For the OP...funerals are a great deal. I felt like I was contributing more doing funerals than I ever was standing in line at the NOSC, or getting third flu shot of the season.
SELRES sucks, but I think your plan to telework, sched drills early, and basically get your points quickly is your best bet.