I am also shell shocked from the pandemic. I used to keep my key in a safe deposit box only, but 5 years ago, I couldn't access my Trezor for 3 months and when I finally did, I learned my passphrase had a typo. I figured it out after a couple weeks, but I don't like using passphrases with multisig because of this.
Discussion
By the way, I'm not arguing with you to be a jerk, but to bounce off ideas and improve my own security.
It’s OK. There are two ways to lose your coins: you lose access to the keys, someone else gains access to the keys. Defending against either one in isolation is easy. Security is about balancing both.
Seed XOR is equivalent to a 2-of-2 multisig. IMO, genuine 2-of-2 multisig is superior, for the reason previously mentioned: that seed material can be kept separate at all times.
The tradeoff is that witness data on chain is marginally larger, making spends more expensive. Spends also reveal the fact that it was 2-of-2, so slightly less private (unless using Taproot, which would be the same as single sig privacy wise).