As a Bitcoin enthusiast, I want to say briefly that you shouldn't sacrifice simplicity for technicality. You are more likely to lose your bitcoins because of too much technicality than to scammers or hackers. An example of keeping things simple is that instead of storing your Bitcoin in a multi signature wallet that you do not understand how it works or have no experience in setting up, store your Bitcoin in a soft like Electrum wallet where the process of setting up is pretty straight forward. Another example is using simpler and recommended ways to protect your seed phrase instead of some ways that has too much complexities and technicality to it any mistake can result in its loss forever.
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.
You are right dear, I have seen some cases, in which the person taking so many precautions like wanting to save the seed phrase totally off the grid means not wanting to save on a storage that is online accessible. And in that process, he wrote down the seed phrases on paper and then lost them. And in other cases, those who have kept it saved on online place or on a mobile or laptop, might not lose those seed phrases. And in another case, one might save the seed phrase at different locations.
But you are not totally right, because, if you think the multi-signature security level is some technical shit then you are wrong, because setting multi-sign wallets is too easy and you mentioned Electrum and we can easily set a multi-sign wallet on that too. So, why we should not test it out and learn about it?
Instead of giving up, by saying, this shit is so technical and I want simplicity so I will not adopt the new technology, these people are always at a loss in all fields of life. If we do not learn new things and remain aware of all the new scams and hacks then we can easily be hacked. So technicality does matter but simplicity also.