I’m playing with both options also. I just setup my first actual multi-sig and wasn’t so hard. You can do cool things like 2of3 and one is a Sparrow hot key. Or 3of4 with a Sparrow hot key and still requiring 2 HW wallets.
Also playing with which keys should I use for true multi-sig:
npub1s0vtkgej33n7ec4d7ycxmwt78up8hpfa30d0yfksrshq7t82mchqynpq6j (npub1s0v…pq6j) , @ npub1jg552aulj07skd6e7y2hu0vl5g8nl5jvfw8jhn6jpjk0vjd0waksvl6n8n (npub1jg5…6n8n) Jade, and a Ledger 🤷♀️
I really need a SeedSigner (npub17ty…3mgl) to play with.
