You gave very good suggestion it is really important to keep our seed phrase safe because splitting it up is big risk if lose even one piece we lose access to all our funds.

Smart way to protect it is by adding passphrase. We can store our seed phrase and passphrase in different spots making it much harder for someone to get to our money even if they find one part.

Also always keep your full seed phrase in several secure places that only you can get to which helps protect it from things like fire or theft. Basically stick to well known and proven ways to store seed phrase to avoid losing funds.