Rather than paying a multisig company. Could i just have 3 remotely located keys myself. Eg safe, pc, phone
Sure you can, there is no need to pay any company doe multisig setup, that is created for high profile individuals who want additional protection.
For example multisig setup can be done with combination of several software wallet and hardware wallets.
Jut beware that multisig adds additional complexity and seed words need to be distributed in different locations.
More simple alternative for multisig setup is Slip-39 aka Shamir Secret Sharing.