I am also the Uncle Jim in my circles. I have been starting people with single sig cold cards with Sparrow and/or a watch only Blue wallet on the phone. I don't think the 24 words is overwhelming. 12 or 24 words, they need to keep them in a very secure place. That maybe is the hard part for some. The people I have been helping don't really plan on spending much. Sometimes setting up Mutiny with a little "spare change" amount in it to just play with (send back and forth to me, mostly.) I have yet to put anyone into a multi sig. They are usually having enough of a struggle keeping it all straight with the single sig. If I ever was helping someone with a massive amount of funds I would probably recommend for them something like an Unchained multisig.