Good point!

It’s very important to remember that no matter what your multisig setup is, you MUST be able to generate or recover ALL the xPubs.

Example: For a 3 out of 5 multisig, if you lose the seed for any one of the 5 and don’t have its xpub backed up, you’ve lost everything - even though you have the 4 other seeds and it’s a 3 out of 5 multisig!

I know because this is how I lost all my BTC.