More power to you for wanting to learn and to try out different options!

In general it's a good idea to secure your Bitcoin as if it was worth at least 10 times more than it currently is, maybe with this in mind, a ColdCard doesn't seem as expensive proportionately?

If not, you might be better served buying an additional ~$60 in Bitcoin versus getting a Jade and instead continue your learning with a few software wallets. Blue Wallet on Android is top of class, and will let you get comfortable with multi-sig. Sparrow wallet on desktop is another excellent option to learn with. Making a new wallet in blue wallet and importing the watch-only XPUB into Sparrow and crafting a transaction there then signing it with blue wallet is a pretty great way to learn about PSBTs and signing with a device other than the one that creates the transaction.

I understand why the trade-off is made, but don't like the keyserver model to get around the fact that the Jade hardware does not have a secure element.

Possibly an unpopular opinion, but staking sats & getting comfortable with the mechanics of how Bitcoin works is probably more important long term than getting a hardware wallet right off the bat.