Multisig is the way imo once you are sufficiently advanced, single points of failure are not ideal 

It makes it safer to make backups in traditionally "less secure" methods (ie encrypted cloud backups) because even if someone does find one key, you're still safe 

 been debating this for over a year. get scared at the thought of having to back up another file, along with the different keys, but maybe it's ultimately safer. thoughts/recommendations?