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.