Wonderful answers here, couldn't have stated it better. One thing I would like to add, many times I have seen the tower as a blow to the ego. Both cards are of change, Death is a natural process of something has to go for new rebirth to begin, many times with Death you can put off the change or not except it, but the Tower is scorched earth, nothing is left but to live in its ashes, as with death it can happen again and again until the lessons are learned. Both can leave you stunned, they do appear the same as change but the energy is quite different.
I feel very lucky to have received so many insightful opinions and earnest answers for my question here...
Can I ask what you mean by the Tower being 'a blow to the ego',,,, That perspective is quite fascinating to me. What do you thing is better associated with an event like...hmmm.... a man having an affair and his wife found out about it? Would it constitute the Tower or Death? What type of event mirrors the Death card, other than physical death? I think categorising the two cards using events can perhaps throw some light to the somewhat similar cards, in my opinion.
For me, Death closes a door for you and locked it indefinitely, you no longer having the key to unlock it. But there is a new door in front of you, you are given the key, and it is up to you whether you want to enter it or not... For Tower, perhaps, it is a destruction of the door, and you are so devastated by the loss that you do not see a door in front of you, kinda reminds me of the Five of Cups, the two cups left unseen...
But really, both cards shows us the fact that change is inevitable, the process to reach it can be painful, shocking, sorrowful but perhaps, this change is needed for us to move on to the next stage of our lives, to grow both spiritually and emotionally.
I want to thank everyone here for graciously sharing with me their opinions and knowledge. I really appreciate it!