If you are saving up to buy a house I don't think a 2-of-2 multisig UTXO is a good idea. Put that money in multiple UTXOs in cold storage.
Discussion
You didn't get my point.
I am talking 100x from now.
Also, I am not talking about funding lightning channels.
I am talking about pre-coiner, normie savings plans.
And, yes of course they should keep their part of the signing keys in cold storage.
In a more humorous note: Why do you think a Spillman Channel is inappropriate if the system is truly trustless?
100x what? You haven't specified a unit
What is 1 Mio?
My point is a shared UTXO is an inappropriate savings plan. Especially one with a timeout clause! You need unadulterated self custody.
Don't know what you mean. Spillman channels are trustless (at least as far as the commonly understood meaning of the term).