my preference

1. one key with me wherever I am
2. one key with someone i trust far away
3. one key in a safety deposit box

i make metal backups of each key which i store with the remote hardware wallets. if you're insecure with 2-of-3, it may be time to consider 3-of-5.

you can also store the third key with a collaborative custodian, which is cheaper than a second residence, but that has its own tradeoffs.