In summary, it is more practical to stick with user-friendly options that you understand well than advanced options. Simplicity and a strong foundation of knowledge are your best allies in safeguarding your bitcoin.
Actually this problem is being solved by hardware wallet companies. Everything safety that supposed to be complex becomes user friendly with the existence of this wallets. You don’t have to worry anymore whenever you connecting your wallet online since hardware wallet doesn’t share seed phrase.
I believe simplicity is really the main goal to attain mass adoption. The current technology development is already moving that way so in a sense your simplicity idea is not that bad.