If there is a natural disaster that flood your town or an earthquake that destroyed the building your seed phrases are, what are the other recovery means that you have in place for you not to lose your bitcoin?
The best thing to do if you only have a few seeds is to have them stored in two different and safe places, miles apart, although I understand that not everyone has access to that. It usually goes according to your wealth. If you only have 0.01 bitcoin, with a HW and some seeds is enough, as well as a single place to store the seeds. If you have 100 bitcoins, you will have several wallets, with the seeds and HW stored in different places, some with multisig systems. As you will understand, someone who has so many bitcoins is more likely to have several houses or other places where he can hide copies.