So actually, the happy medium here is collaborative custody multisig. Check out Unchained - they have a bunch of material on this.

With 2 of 3 multisig, you can have full control of your wallet, and the secure third party just acts as a backup for the third wallet in case something happens to one of yours. It’s by far the most secure option imo because it eliminates all single points of failure.

I think this is what most people will use in the end. For now, multisig especially feels foreign to people imo. Just a matter of time before the mentality shifts.