Nice. Congrats for hodling.

Just the one coldcard for such a stack?

I went the multisig route but feel like it was a bit overkill.

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Best not to rely on anything electronic to maintain seed. Multisig is useful but complicated.

My advice: 24 word seed on metal. Keep at home. Have long pass phrase, part of which is on metal at reasonably secure location you control as far away from home as possible (work, bank, etc), and remaining part on metal or paper kept with multiple trusted third parties instructed to only ever give it to your spouse in person…preferably out of state.

The main goal is to make it take forever, but if your out of state contact knows to call police if you request passphrase instead of your wife, you have a sly way of raising alarm bells.