Playing with multisig is inexpensive at current fee rates, or free with testnet...specter, sparrow, electrum & nunchuk allow you to build multisig wallets from hot keys, cold keys, or a combination.

Imagine BTC goes from 0.13% of global assets to 1.3% in the next year...are you still comfortable with your present setup? Tinker and learn while things are relatively quiet, and txn fees are around as cheap as they get.