I would prefer a cold/hardware wallet Cold Card, but someone mentioned I might be able to work the BTC via Electrum to the Trezor cold/hardware wallet?
You don't need to waste money on coldcard, that is not even open source device anymore.
The Trezor Suite is buggy and Trezor support is a -10.
This is complete false statement.
I didn't find any bugs in Trezor Suite for years, and I never heard people complaining about big bugs with Trezor software.
But if you don't want to use Trezor Suite you can always connect your Trezor device with Electrum or Sparrow wallet when you use it with Bitcoin.
I have a separate question about seed phrase storage using multisig, so I might make a new post.
I don't recommend newbies to play around with multisig, it adds more complexity and increases transaction fees.
Adding multiple passphrase would be enough if you keep them separately in safe place.