With respect to this kind of operation very often being low spoils the whole thing.
You need to do a visit to the proposed site and check out obstacles and viewing angles from the ground if possible.
Generally, unlike airfields, the places where funerals are held often have trees and buildings which obscure the view of your flypast.
Consequently, 500 to 1000ft AGL is often the minimum that you will want to fly at so that the people on the ground will have a chance to see what you do.
Remember that if you blaze across at 200ft by the time they hear you and look up you will have passed by and be out of view.
Being on time as expected is more of a priority so since these things often run other than to time try to get a discrete observer on the ground with a handheld to let you know how things are running.
Overall - for a good funeral flypast, IMHO, rule 5 is one of the things you should not need to worry about (cause you are above it).
Regards,
DFC