For sure 2-3 multi sig in bitcoin is not worth it.
I wouldn't say that. A multi-sig set up, while more complicated to use and recover than a single-sig set up, provides some unique benefits and can also provide a lot of additional security. The problem is that a lot of users, like yourself, are unaware of the need to have all the xpubs for recovery, and therefore the requirement for every signatory in the multi-sig set up to back up every other xpub along with their own seed phrase. For a 2-of-3 set up, the simplest way of backing things up would be as follows:
Back up 1: seed A, xpub B, xpub C
Back up 2: xpub A, seed B, xpub C
Back up 3: xpub A, xpub B, seed C