Pretty much. At minimum you could do:

Location #1: Seed 1 + xPubs 1, 2, 3 Location #2: Seed 2 + xPubs 1, 2, 3 Location #3: Seed 3 + xPubs 1, 2, 3 Mobile / desktop wallet: xPubs 1, 2, 3

There isn't a standard to represent xPubs in human readable format (like BIP39) so you can't easily engrave them in metal. As such, you need high redundancy to safeguard against paper / digital copies getting destroyed.

As xPubs don't grant spending permission, you can have as much redundancy as you want. One downside is that while the xPub set doesn't grant spending permission, it does reveal your holdings. An attacker who discovers one of your xPub backups might be motivated to continue digging around if they see that the wallet has a high balance.