Antonopoulos puts it the best. Individuals don't need two of three spending authority. Individuals should just need redundancy. So back up your single key multiple places.
Discussion
Ya, my biggest concern is making sure my stack is recoverable by family. So, our current is in collab custody, but I definitely worry about the complexity there.
I really like what Bitkey is doing, but since they started moving away from seed phrases, I got a little skeptical.
Just make sure your family knows where your 12 words are. Simple.