Don't fuck with multisig unless you have an excellent reason to do it (business, shared wallet scheme, etc), and preferably are using a 3rd party to store 1/3 keys, and to store 3/3 pubs. Going alone you can lose a key yes, but you'll still need 3/3 xpubs. It turns into a mess of storing multiple keys, multiple pubs, while juggling multiple hardware devices. You don't need multisig. SeedXOR is better if you use a ColdCard. And 1 key with a passphrase is more than enough security.