I'd be keen to hear your thoughts on whether you think that the
Custody Model Quiz help guide users in that direction?
I am not sure, but it suggested me to use a custom multisig setup, which is good because it's not far from the reality. Of course I am not using this system only, but it's certainly a good thing that the quiz suggested me to do what I already do. It has some accuracy.
It's a good endeavour, don't get me wrong, but I can't think as a beginner very easily, because I 've already gone deep inside the rabbit hole. Perhaps some other users who think they are "beginners", could give a better answer.
From a broader population perspective, you are perhaps in the sub 5%! Majority don't have the technical skills or desire to manage their own multi-sig setup. The quiz only points people in that direction if they score high on technical ability, privacy preferences, and related factors.