If this process was significantly less expensive than going to a local attorney, there might be some value to it. Go to your attorney, or ask the San Antonio Bar Association for a referral to an estate planning attorney. The Bar Referral's phone number is 227-1853. The goal of this salesperson is to sell you a living trust. Hence, any alternative to a living trust is belittled.
Alternatives do exist, and can be both affordable and effective.
The survivorship agreement that you discussed with the salesperson is a valid alternative to a living trust. Her office is wrong when they say it only applies to real estate. A community property survivorship agreement will validly pass title to real estate, investments, personal items and many other assets. It is most effective when combined with specific arrangements at your bank and brokerage. For instance, if you have a bank account with rights of survivorship on record with the bank, they will be very cooperative when an account owner dies.