The solution to wrench attacks is for hardware wallet providers to integrate variable time locks on their devices.

Imagine setting a 7 day / 30 day / multi-month / year+ time lock directly on your Trezor. You can always reset by wiping device and using recovery seed. Base layer doesn't need to be involved. Store recovery seed in a 2nd location.

This allows for various seed storage options while also eliminating the need to trust a 2nd party when doing it. Multi-sig? No longer needed either.

No one needs access to all their Bitcoin 24/7. People just need the ability to get to it within a reasonable time frame. Wallet level time locks give hodlers this optionality while basically eliminating one of the scariest risks of self-custody.