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Neither of those ideas are any good really:
- Committing to memory 12 or 24 words in a given order is not an easy feat, and just try letting some time go by to see how that plays out.
- Having the seed on any online device can be subject to things like losing the phone, being hacked (i.e. malware), confiding in a random note app which may be doing God knows what and so forth.
I must admit, committing the seed phase to memory isn’t really ideal as one can always mix them up.
Personally, I prefer not to write and store passwords and important notes on paper