Hi - I'm new here.

I am planning on transferring my BTC from an exchange to a multisig 2/3 wallet on Sparrow. I've been researching this a bit and it seems like quite a rabbit hole to go down for self-custody. I will also preface this by saying that I am not the most tech savvy individual and have no computer science background. I originally bought a ledger nano to do single sig cold storage. But I think my new plan is to buy a relatively inexpensive 8 gig laptop and only put Sparrow and some anti-malware software on it. And it would remain offline except for the very rare occasions that I would be buying or selling BTC. I'm planning on being in BTC for the long game. I was also planning on buying a Trezor wallet.  I've been thinking I would then create a 2/3 multisig wallet using sparrow on the laptop and distribute the three devices between my house, my trusted ex wife's house and 1 or 2 safety deposit boxes. I was considering adding a passphrase but it seems like more complexity than I want to deal with and I'm assuming statistically the chance of my multisig wallet getting hacked even without a passphrase is pretty low. My goals are to keep things highly secure, and allow access if one of our two houses is compromised somehow using the other two private keys. I would also like my ex wife to be able to access the BTC for our three young kids should I die or become incapacitated. I was also planning on downloading sparrow onto my home Mac and creating a watch-only wallet while leaving the other laptop secured offline essentially like a third cold storage wallet but using a Sparrow private key.


Here are my questions:

1) Does this sound like a reasonable plan? Is it overkill?

2) is it reasonable to not use a passphrase with a 2/3 multisig wallet? It seems like another way to get locked out of your BTC despite also making it more secure.

3) What would be the ideal distribution of these devices (the laptop w/ Sparrow , Ledger and Trezor), the two pins, the sparrow password, the three seed phrases, and the single file of the xpubs? Again the options would be my house, my ex's house, and 1 or 2 safety deposit boxes.i would want her to be able to access the BTC if I die but not be able to access it until then. I'm thinking I keep the Ledger, she has the Trezor, and then put the laptop in the safe deposit box. But I'm not exactly sure where to store each seed phrase and then the pins and the Sparrow password and the X pubs. I'm assuming you don't wanna keep the seed phrase and it's accompanying cold Wallet device in the same place. It's definitely a lot of stuff to keep track of.

4) Is sparrow a reasonable multisig wallet or is there a better application?

5) Which anti-malware and/or antivirus software should I use on the laptop? Free ones would be nice. And any thoughts on which cheap reliable laptop to choose?

6) if I log into my account on sparrow on my home Mac does that compromise my security, even if I'm not using the private keys and just checking the balance in a watch only account? Would it be better to use some other application instead of sparrow for checking my account?

7) i've also heard that it could be useful to run the browser Tor which helps anonymize my browsing when I'm on the sparrow app. Is this necessary? Also seems like another piece of complexity that I would rather avoid if it doesn't make a big difference. If I use this browser, can I still use it on Windows if I buy a Windows laptop?

I've also heard that if you lose your x pubs you lose access to all of your bitcoin, but I've also heard that that's not true. Can someone elucidate what the deal is with the x pubs? I understand that it allows you to re-create a new multisig wallet if you're wallet get lost or stolen, but I've also heard that if you lose it, you can lose access to your bitcoin or if someone finds it with one of the other seed phrases they can gain access to the bitcoin. Is this true? Any thoughts on where or how I should store these? I'd rather not have to encrypt a hard drive I'm thinking I may just print out the X pub on a piece of paper and keep it in one or more places secure. Any thoughts on how and where?

Thanks a lot for everyone's help!