I think that when we create a bitcoin address, we should absolutely consider everything:
1. Where do you live? How often do earthquakes, Tsunamis, storms and other natural disasters happen? How resistant is your building against natural disasters? If you have house, penthouse and your area is safe, you can risk for a while and save your seeds there but if you live in apartment, you should always be more cautious.
2. The best way to save yourself is to memorize seed phrase. There are a lot of people who hold bitcoin for years. Imagine, you have memorizing seed phrases absolutely every day, up to 30 minutes a day at first and then reading it up again and again. You have to imprint it in your brain. You have to imprint it so well that even if you get amnesia, you should be able to recover that information

I mean, at some point seed phrases should become obsession for you.
3. Remember rule N1 and N2. Print seeds on Metal Storage, save it in two possibly safest area, don't waste time and start memorizing of seed phrases. When you think you have truly memorized them and there is no way you'll forget that, then either destroy your seeds or come up with a better plan.
Analyze these steps yourself, be sure in your cognitive capabilities. I think this is the safest option but options are very individual. You may live in a very safe area, your house is built well, there aren't happening severe natural disasters, people don't know about bitcoin, no one has doubt about you, so on and so on, this is a very individual case, I just say what I think is generally the safest option to my mind.