Personally I would go with 3 signing devices that can handle psbt. Coinkite Coldcard, Foundation Passport, Seedsigner, Keystone Pro. All of these support PSBT.

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I struggle with this. I use multi sig different vendors. I use off site storage for a key and count on a non btc person to sign a transaction as a worst case. Just getting them comfortable with key checks and the like. My point a good plan includes ease of use.