I partially agree with you here, but until some sort of covenant proposal (CTV or CTV+OP_VAULT) is adopted by bitcoin, it seems like the current ways of hacking a vault together for your self custody set up is risky.

I think the article does a good job exploring all the possible pros/cons of each set up. I believe the collaborative custody inheritance model is probably best for most people, since it doesn't require the beneficiary to understand the technical aspects of self custody (although they'd be best to learn as much as they can shortly after inheriting any sizable amount of BTC). I know companies like Unchained offer a package that gives pretty detailed instructions to a beneficiary on how to recover the inheritance, even if Unchained goes out of business (they offer the config file to reconstruct the vault set up with original owner's seed + beneficiary seed).

To each their own though.