Why do you want a passphrase?
I'd say the first one. Though I always discommend using a passphrase. One miswritten of forgotten character is all or nothing. In contrast to the BIP39 directory words which can be decerned from one another with missing characters.
But how about using bip39 words as passphrase? Some wallets even have the function to enter it just like a seed by choosing the words after entering first characters
Yeah that would solve for that. It depends on how you store the info and who will need to access it. Brainwallet of paper? Will your family need to regenerate your wallet under circumstances? How technically proficient are they? How accessable is your wallet now and what's the chance of leaking seedwords? What are single points of failure?
And don't post answers to those questions on nostr 😅‼️
Thanks mate 🙏🫂💜
