I keep 2 on different storage media, 1 with a trusted beneficiary, 1 with a different trusted beneficiary.
This does mean that the beneficiaries can collude to rob me tho. But it is simpler than running & trusting some kind of live service imo.
you highlighted exactly the "bug" i wanted to patch though: the collusion risk. if beneficiary A and B have a beer together, you get rugged.
the "live service" here acts purely as a time-lock. beneficiaries can't collude to rob you today because the 3rd shard isn't released until the dead man's switch actually triggers. it protects you from your own friends.
the main difference is architecture: shardium splits the secret (shamir) so the server never holds the full data, whereas vaultwarden holds the full encrypted vault.
also the "grandma factor": getting non-tech family to setup a vaultwarden account was friction. this is just "find paper in drawer, scan qr".