What is it about your threat model that you feel multi-sig protects you against better than single-seed+passphrase?

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Can't really logically describe it, just feels better/safer :) probably overkill

seedxor + passphrase

👆🏻 This.

I think single seed + pass is a single point of failure. Whereas multisig is probably more open to loosing one key

What is the single point of failure? You can have multiple copies of each, all in geographically dispersed locations. You can lose any number of them and still recover just fine.