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 simplest among the ones you mentioned is the use of passphrase. It is not hard at all. It can be an extra layer of offline security, but it may not be online. 2FA wallet is better. But to have all your keys, multisig is better for both online and offline security and safety if done properly.
The difficulty 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.
You have to setup multisig on different devices. Setting up using airgapped devices or hardware wallet makes it more secure, but online multisig wallet too are not bad but safer than just single sig wallets.