Making changes to an existing setup is scary, and isn't without risk. But better to set multisig up, play around with it for a few months, and then move your funds to multisig cold storage. Takes time and effort!

💯. We’re working to change that. Slowly but surely.

You don't if you use several hardware wallets you own.

My thoughts exactly. I always worry about the long term viability of hardware wallets. Multisig with passphrase combination seems like a good middle ground imo. Sparrow wallet checksum UI very helpful in this regard.