I think it just depends on your risk tolerance. For me, knowing that if someone finds one seed phrase they still cant access my funds, helps me sleep at night.
That’s true for both multisig and singlesig + passphrase tho..
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Ya that’s what I was thinking. The other thing is I have my seed phrase memorized and not sure I have the brain capacity to do that with multi sig.
If you have 2 out of 3 multi sig it would take 2 seed phrases.