I think for most people, the best way to go is something like Unchained, which has a super easy set up. The UI is about as simple as it gets. If you go with 2 of 3 multisig, you have two hardware wallets, two backups, and you're trusting your third wallet to the third party. I think it's a worthy trade off. To actually be in a situation where you're fully dependent on the third party, you have to lose one of your wallets AND its backup at the same time, which should be unlikely unless you store them right next to each other. And if you're still worried about Unchained deciding to hold your funds hostage - consider the fact that doing so would be corporate suicide with no incentive, because they can't actually withdraw your funds.

So you can think of it as diversifying your security model. You're essentially using the full resources of a corporate security institution to secure a backup, and you're not actually giving them any control over your bitcoin. I think that's a great model because they're likely going to do a way better job securing your backup than you will.

It's a similar security model to keeping your third wallet in a bank deposit box, except your Unchained backup will be available to you anywhere in the world, and they make the multisig setup process significantly easier than doing it yourself with something like Sparrow.