Passphrase or no passphrase, it seems to me the important take-away should be to do the work to know what the hell you're doing. Everyone should be using some form of Testnet to test-drive the entire bitcoin ecosystem over and over until they get it. (if only some form of Testnet were more normalized across wallet software. Unfortunately, for those that do offer a Testnet experience, too many of them don't appear to take their implementation of it seriously).
Discussion
Nah
Use the real chain. Make mistakes. Learn.
Don't ape 100m dollars into a seed, but don't fret if you ape 100 into a seed, lose it, and learn a generational lesson. Embrace that lesson.
Manage your family's risk apporpriately.
Nah
Use a fake chain. Make the same exact mistakes. Learn and embrace the same exact lessons. All without risking even 100 of today's dollars worth of your family's eventual generational wealth.
To the vast majority who are still pre-coiners, this is a way easier sell for them to just get their feet wet.