The more important thing is that I don't have to be. Multi-Sig is still far less risky, complicated, and/or costly than the capriciousness or really -- let's just call it what it is -- outright criminality of fiat institutions. Some could try to explain behavior of fiat institutions as incompetence, but then we're just back at criminally stupid (courts are consistently clear that negligence is a form of criminality).

By professional crypto groups and smart users, for high dollar accounts Multi-Sig with hardware wallets from diverse vendors are used. None of them are by Ledger, because Ledger's firmware is closed source.

For Ledger specifically, I already do not trust Ledger.

Trezor is fine.