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Yeah we are pretty thoroughly captured when using these services. Fortunately, that makes running one of these businesses desirable which means many companies/products will offer the service and prices can't go stratospheric. Still, it's best to expect them to take advantage of the high switching costs.
While walking the dog I thought of this scenario: You hide your two keys in a separate geographic location. You lose one to a wrench attack. You won't lose your bitcoin, which is good, but now you are trusting Unchained and that crucial second key. In this scenario you're still better off than a single sig, but it's not trustless.
Ah a walk, proof of work for your health. You can actually replace and get a new key then. Again they can coach you through that process to replace it.
Thanks I heard on Coin Stories some cool stuff Casa is doing with keys on phones to help with inheritance and colab custody. May have to look at the fees. @siggy47 brings up a great point that fees can continue to go up for these services and likely will, which makes inheritance tricky.