I currently have some bitcoin on a ledger nano S, but I find myself increasingly worried about the company just exit scamming (not for any particular reason besides central point of failure). This made me consider other cold storage options, and I'm currently considering a 2-of-3 multi-sig wallet using Electrum. Is there any similar risk doing this with Electrum, or is that mitigated since it is open source? I ordered a Trezor and ColdCard to tinker with, so I'm also considering the basic idea of splitting up funds amongst all hardware wallets, but that feels like it's I'm just increasing my exposure. Losing any satoshis will be painful, irregardless of portion.

Does anyone have any ideas?