A passphrase effectively adds a 13th or 25th seed word to your conventional key phrase. I think the best thing is to keep two identically cloned cold cards locked up at two different secure locations other than your house. So if you lose access to one of them you can still retrieve the other for signing transactions. Then of course have a steel version of your seed somewhere offsite in a secure third location. A laminated business card sized paper copy can be hidden in a fourth location. One of your cold card locations can be at a trusted, armed friend’s place who you’d have to call to go get it if you were under duress. Uttering a certain word during that call could be a signal to strap up or call the cavalry.

There’s also lots of options to achieve this with multisig.