Fun story written by life:
Today i got to dip my toes into a situation like "getting rekt".
Some of you might remember i was on vacation a few weeks ago. What i did, like every time when i leave the house for more than a day, i moved my hardware wallet out of the building and hid it, along with various obfuscated forms of passphrases and seed word lists. Those who know me from here for longer will not be surprised that i totally forgot about this, initiated a small transaction in the ledger frontend today, and as prompted to connect the thing, i went for the usual place i store my ledger in.
Me:

Also me: Fuck! I guess i have left the stick somewhere, the kids were playing with it until they dropped it somewhere and my beloved wife threw it away, in belief that it's a stupid toy radio or whatever.
Me, after a while of searching: Hey, at least i got the seed words, time to take and use them...
Me, again: Fuck!
There were no seed lists anymore.
I can't describe how exactly i felt like in this moment and in the following 25 minutes, which were probably some less, but time was like standing still.
About half an hour later i remembered my old habit of moving important stuff out of the house, made plans to lay out the most likely places to search in, and not even 20 minutes later i found the seedwords and ledger again.
As funny as it may sound, i was quite frightened (and also sweaty) until i found the stuff again.
maybe consider using shamir backup..