It's actually good advice to create a 2 of 2 or 3 of 3 multisig with different HWWs.
that way you don't need to worry about keeping a separate "wallet descriptor" file.
Just make sure to have solid backups or just store them all together in a safety deposit box.
Lose one and all your money is gone, but single sig has the same total loss profile so handle it with your abilities in mind.
