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If you are rich and a public person I would go with a third-party like Casa to help in case of kidnapping or physical attacks.
You can also do your own multisig it is not that hard these days
I totally agree. With Specter even the order of the keys doesn't matter during recovery, very easy to use. There is also Liana, which makes it simple. The first time I received bitcoins it was by email, I had to check the address manually to make sure there was no mistake. It was error prone, not anymore.
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