Multi-sig wallet is an extra layer of security for your funds, but you have to know exactly what you are doing. Setting up any extra layer of security is kind of complicated for any newbie, either a passphrase, multi-sig wallet or setting up an air-gapped wallet; but if you learn how to do it correctly you'll not have any problem doing it.

The problem with multi-sig wallet is that you need to set it up in different secure devices, either an air-gapped wallet or a hardware wallet, and it is difficult for a newbie to set up a wallet on an air-gapped device. Another thing with multi-sig set up is you have many seed phrases and master public keys to back up, and you have to keep them in safe and different locations.