An individual using taproot shouldn't be a problem unless I'm mistaken, but an individual using multisig is a weird case. (Conjures image of lone wolf, in a pinch, quickly digging a coldcard out from under a tree somewhere)
Multiple signers are an issue, i.e. your heirs knowing your stack before you die. Or the custodian of your other keys while you're alive and bound to 1 place at 1 time.
Other people are always the problem.