Distributing 10 to 20 pieces of different wallets is the smartest behavior. But to me it is impossible to have 100 bitcoins! It is that absurd and meaningless to discuss it. 
Why would you divide it into so many different wallets and addresses? You'd have really high probability of losing the coins simply by forgetting the passphrase or key in case of a paper wallet. It's best to use one wallet with one backup divided into many backup copies stored in different places instead of having many addresses in many wallets. That's just a mess.