So many pitfalls and ways to shoot yourself in the foot with multisig.

Even if you setup everything correctly, both the know-how and keys (and xpubs) need to survive possibly many decades. If you die, your wife and kids probably won't be able to recover it or will get scammed by "someone willing to help".

Singlesig is adequate enough and has the best simplicity-security tradeoff for 99% of use cases.