What happens if someone breaks in middle of the night and puts a gun to your head?

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honest q: do you think they would actually believe “it’s not in my house bro”?

Whether they believe it or not. If it’s simply not there you don’t have anything to give.

Multi sig 3 of 5 in different locations home only containing one 🔑 . Another hardware wallet as your checking account. Your multi sig is your life savings so no home invasion can fuck you. But for beginners crawl before you walk. Over complicated setups can also screw you in the end if you don’t know what you are doing.

Do you think 2 out of 3 is inadequate?

The way I think of 2 of 3 is that it’s a good multisig quorum for a single city. 3 of 5 is good for wider geographic distribution.

This is a great point, very important to keep in mind:

“Over-complicated setups can screw you.”