Having to roll over utxos to reset time locks is a big tradeoff.
Discussion
Personally I don’t see it as a huge trade off, why do you consider it to be a large trade off?
Because I don’t want those keys to be on devices permanently and I don’t want to access the seed plates regularly either. Only applies to longterm cold storage, of course.
My comments apply only to longterm solo custody. I agree that decaying multisig would be good for collaborative multisig. Combined with insurance like AnchorWatch, it is awesome.