So even if you keep your own coins secure, there is still a danger of theft performed with violence. You have heard of people who were forced to give up their coins/keys under duress.
Does this mean that multisig is a must?
it is a pretty good idea but not necessarily a must. there is no difference between keeping something like jewelries or gold safe with yourself and keeping your bitcoin private keys in a safe place.
you can print a paper wallet with your precious bitcoins in it and keep it with your other valuablesin a safe place