If you use a passphrase - you need to store it separately from the seed, otherwise it defeats the purpose of a passphrase. That's what best practices say.
But you also need to have >1 backup of both in case one of them become rekt. That's also what best practices say.
So it results in 4 locations.
1 - seed 1st backup,
2 - seed 2nd backup,
3 - passphrase 1st backup,
4 - passphrase 2nd backup.
I don't believe average hodler stores a seed + passphrase in 4 houses. So what's your approach?
A passphrase must be hard to brute-force, which means it must be difficult to memorize it.
Therefore, a passphrase must be backed-up just like a seed phrase.
Which means, that to eliminate single points of failure, yes, you will need 4 locations for your setup.
There is an alternative approach, which requires 3 locations, while also eliminating single-points of failure.
The alternative is to construct a 2-of-3 multi-sig wallet (wallets A, B, C).
You would need 3 packets (backups), as follows:
location 1: seed A, xpub B
location 2: seed B, xpub C
location 3: seed C, xpub A