isnt me holding 3 just the same risk as me holding the 1?

or is it more like i know all 3 and can move btc when i like, and then a kid each and casa has their own one (a key being like a seed phrase) and if something happens for example the two kids combine to unlock the btc

if it's the latter, that kind makes sense, for some reason i wasn't thinking about me also knowing all 3 keys

in which case, i suppose i could do regular inheritance plan and the lawyer has one key but cant rug me.

although i plan on being around for at least another 60 years and would prefer to just have the kids have keys and not pay inheritance tax and be on the radar etc