How are you handling inheritance/succession for your Bitcoin if something happens to you?

Been thinking about this a lot lately and I'm surprised how little solid discussion there is on it here.

Most of us have our seed phrase secured somehow: steel plate, multisig, hardware wallet... But that security works against us the moment we're not around anymore to use it. If something happens to me tomorrow, my wife has no idea how to access any of it, and honestly even if I wrote instructions down, that defeats the whole point of keeping the seed secure in the first place.

The "traditional" answers people throw around don't really hold up:

• Telling a family member the seed = single point of failure, now they're a target, and you have to fully trust one person
• Lawyer/notary holding instructions = most have zero crypto literacy, and you're back to relying on a centralized party
• Multisig with a trusted contact = better, but still complex to set up correctly and most people don't bother

Curious how people here have actually solved this in practice, not just in theory. Did you set up a multisig specifically for inheritance? Do your heirs know what to do? Did you involve a notary or lawyer, and if so how did that conversation even go since most of them know nothing about crypto?

Feels like a real gap between how seriously we take security day-to-day and how little thought goes into what happens after.