As I said, I don't like miniscript^[1], but why was Timelock chosen and why exactly at least 1 year? Also, the phrase at least may mean for more than a year.
If we assume that the use is for the heirs, it is possible after the members return the key with the recovery key and be able to withdraw the money without the consent of the owner key. Therefore, here we cannot apply it as a model for the heirs (it may be a good service if it is linked to biometric indicators that activate a lock for a period of 6 months from the date of death of the owner key holder)

I hate to say it but centralized solutions or trust in heirs are the logical ways to solve the problem of the death of the bitcoin owner.


[1] https://bitcointalk.org/index.php?topic=5459839.msg62556275#msg62556275