but the problem of to much redundancy is the abilty to be stolen
Hence the beauty of a passphrase. If your seed is stolen, it is useless on its own, and if your passphrase is stolen, it is similarly useless on its own. If you want even more security then you can store your seed encrypted or even split it in to a 2-of-3 or similar secret sharing configuration.
You can also have the need to get access to your funds when far from home or other place you store it.
Then use different wallets. I have a mobile wallet I use which I simply back up with a seed written on paper in one place. It's easy to use and portable, but much higher risk of being stolen than my cold storage. But I only store a small amount of bitcoin on it compared to my main cold storage. In the same way that you have cash in your wallet, a checking account, a savings account, a credit card, you should have different bitcoin wallets for different purposes.