Seriously I don’t think any of the idea above is actually bad, one thing that many people are scare of are actually trusting their kin but i say no matter how you actually take this away from them the inheritance will fall to them, so rather than giving out too much information to an outsider it is better to find kin to trust and then use the plan B so you or them don’t spend it sooner or later.

What I will do is probably use the two idea, timelock the funds and would definitely be spending it to a multi sig wallet, give the other recovery seed to the lawyer to give out in the day of will reading and back the Same seed up at a bank deposit, the both shouldn’t necessarily get lost, the other co-signer seed will be give to my Kin with him having to know the location of also another to backup of it too.

I feel it might have its own flaws but we cannot simply defeats all the flaws in settings like this