SS + Passphrase is 2of2 multisig (very bad). It's also a foot gun.
Very true, but if someone wanted to add more security to their setup imo a passphrase would be the simpler choice
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It's a tradeoff off, passphrases reduce redundancy. A 2of3 multi-sig scheme improves redundancy and security.
For contrast storing two copies of your seed improves redundancy at the cost of security.