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I appreciate that feedback!
I really need to look into the miniscript wallets with timelocks. The 1 of 2 you describe sounds exactly like what I want. Do you have any you recommend?
Otherwise I may just stick with my 2/3 setup. While I don't love that it requires me to travel to access my bitcoin, I guess that is both a pro and a con!
Liana is very good, only qualification is that they don't have a mobile client. So you must use a desktop or laptop.
In addition, all the miniscript wallets only work with hardware devices that support miniscript (which are currently cold card, jade, bitbox, ledger, specter diy, and krux).
Bitcoin keeper is also good if you want a mobile first format.
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