I am a student and I do not have an inheritance to give yet, but that does not prevent me from giving my opinion.

I am leaning towards plan A, but I think that a few elements should be added to make it even more solid. The idea of building a multi-signature wallet is really good for ensuring security, but it would also be important to train the heirs so that they know how to manage these assets. In addition, having clear documentation on the steps to follow and the locations of the backups could really help avoid confusion. For example, we can establish a document that explains how to access the backups and how to use the keys to recover the wallet, while showing them how to do it step by step. This would ensure that, even if something happens, the heirs can easily access all of this. Basically, plan A is solid, but good communication and preparation of the heirs are essential for a successful transition.