Why 2 of 3 multi-sig? What benefit does that have over 2 of 2 multisig? That's just adding an extra layer of effort and complications. Who would be the 3rd co-sign? Its just adding more potential cost and complication.
The benefit of the 3rd signature would be that it can stay sealed somewhere for emergencies (your death).
Again, it's 2 of 3. So you can use the 2 signatures in the way you use now and the 3rd is for the case one of the usual signatures gets out of reach.
But who would hold the 3rd co-sign?
If I die (as I have already stated) there is a PoA.
I am leaning more towards a 2 of 3 multisig - but more in case my clients lose their keys or seed words. But that would mean me holding 2 out of the 3 co-signs.
Unless I set up a company specifically for this or have my lawyer be a co-sign for all of my clients too. That way a 2 out of 3 is the best solution maybe.