If not for the loved ones, than for no one, basically, I would agree on that.
Like i already said, even if you have a loved one that you trust, it is not always a recommended thing to give them your seed phrase as an inheritance method. Storing BTC requires good opsec and even if you trust your loved one, they may have a bad opsec and expose your seed phrase online or physically and you'll lose your funds. My recommendation is to store your coins yourself, until you are sure the person you want to share it with knows exactly what they are doing.