Lol
I see what your saying but to play devils advocate for a sec
I’d say don’t get too cute with time locks or multisig
But to each his own
Discussion
That's where Liana is handy. A timelocked multisig that decays into a regular old singlesig can provide you with the best of both worlds. The single added component you MUST back up compared to with a conventional single sig is the wallet descriptor, which can literally be backed up in the cloud.