I think there are a plethora of reasons why that wouldn't be in your best interest.
For one, you'll be limiting yourself in the way of advancement; because your character will stop advancing at an early age, your skill ramp(s) will be lower than someone who will have mastered their skills over their lifetime. (Note, it's never been said that you can't advance your skills later in to your life, just that they may be more difficult to perform proficiently. Of course, that's purely speculation, but it seems sensible.) I understand where you're coming from with your first example, and it could be true in some cases, but, in my opinion, most people will want to reach achieve as high a level of skill as possible in their lifetimes. By cutting their character's life short, they're not experiencing the game to it's fullest extent because they will not be reaching the same levels that other players may be. Now, if you intend to have the exact same experience every time you spark a new character, then that play style may suit you, but I don't think that will be the case for the most part.
Next is the subject of Story Points. It may or may not be possible to spark into your heir because you ended your lifetime early. This seems like a very good reason to play your character's life out to the fullest. It's in your best interest to attain as many story points as possible if you want to ensure that you are able to play your heir.
Personally, I think this works out against your favour and more in the favour of others. While you're playing the game the same way every time you start a new life, others are progressing in both skill and story.