Here is another bitcoin time locking idea: a zenHodl ladder: a taproot style wallet with one key spending after blockheight 1 year in the future, another key spending at 2 years hence, another at 3 years, and so on…
Don’t plan on spending bitcoin this year? Destroy the corresponding key. Going off grid for 3 years? Destroy the next three keys…
The downside? You need xpubs for all keys to reconstruct the wallet. Makes backup harder.