Completely aggree with you.
There is an inheritance plan the guys from nunchuck wallet have set up.
It respects your privacy and uses a multisig wallet.
It is not cheap and they only deal with BTC. But I suspect more and more services will start pumping up offering similar services for EVM compatible multisig wallets using Save Wallet or any other tool.In any case, you can use both of those wallets, create a multisig and manage it with people you may trust.