Multisig has become much easier to use. If you already have three signing devices, just open Sparrow Wallet on your desktop and create a new wallet using those three signatures (set it as 2-of-3).

Once it’s created, make sure to back up or export the wallet configuration file - you’ll need this if you ever need to reconstruct the multisig wallet later.

When you want to spend, simply create the transaction in Sparrow, then export the unsigned transaction file and take it to your signing devices to collect their signatures. Once you’ve gathered the required number of signatures (for example, 2 of 3), bring the signed transaction file back into Sparrow and broadcast it to the network.

I think people may be overestimating how simple multisig is. 

BitcoinHandsOn

bitcoin

For individuals - split seed phrase, seed phrase and passphrase, or multisig?

Better use a 2 of 3 multisig, rather than a 2 of 2. Keep it simple to handle, but hard to crack 