Once your bitcoin stack is big enough multisig is a requirement. People need to store life savings levels of wealth in bitcoin in order to avoid the coming fiat apocalypse. It's a difficult path but I don't see any other good options.
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Personally I went from multisig to 4 HW wallets scattered in multiple states
Assuming you mean 4 single sig wallets. If you already have three secure locations you should use multisig to protect yourself from key loss. Right now if you lose access to one wallet you lose a portion of your savings. It will happen sooner or later.
Multisig fixes this. You spend from the remaining two keys and transfer to a new multisig setup. All you lose is the transaction fee.