SeedXOR would be just fine with 12 words as I understand it, but seed splitting (a non-recommended but somtimes used backup approach) would definitely benefit from 24 word seeds.
But definitely don't recommend seed splitting, and SeedXOR is almost always a bad idea as well as it multiplies the single points of failure (if you lose any part of the XOR'd seed you lose all funds).
SeedXOR would be just fine with 12 words as I understand it, but seed splitting (a non-recommended but somtimes used backup approach) would definitely benefit from 24 word seeds.
But definitely don't recommend seed splitting, and SeedXOR is almost always a bad idea as well as it multiplies the single points of failure (if you lose any part of the XOR'd seed you lose all funds).