As others have pointed out: go for proven schemes (mnemonic words and separate mnemonic passphrase; stored safely in redundant safe and secret locations // multi-sig stored safely in redundant locations // use hardware wallet(s)). Mnemonic recovery words and (if used) a mnemonic passphrase should only be backed up on physical non-digital media (paper and for protection against paper harming conditions or events: stamped in stainless steel or titanium).
I divided the seed phrase and passphrase into two parts, one handwritten and the other stored on USB drives. If the files in the fingerprint U disks are not encrypted, then I do not need to remember any passwords to recover the wallet data. If I have three fingerprint-encrypted USB drives, and check whether they work properly every year. Then the probability will be very very low that they will all be unusable at the same time? Your method: seed phrase and passphrase were backed up on physical non-digital media. Please tell me, what is the difference between yours and mine?