So far no luck and/or no response from Navy, Army or Air Force colleges admin/helpdesk, on getting through the front gate without a CAC card. I have been in contact with the funeral honors coordinator and it appears you can still complete this duty while in the IRR. I will let everyone know if it gets credited after the first one, but this seems like the best option so far. (No physical required (which can take a year!), no VTU, no CAC needed). Hope its not to good to be true. Thanks everyone, will keep you posted.