My AI research suggested that 25th word can be done with 2/3 seed-splitting but not with 2/3 Shamir. Please confirm?
I would be using Trezor Safe 3.
Since you use Trezor Safe 3, consider using SLIP39 specifically. It's standard created by Trezor itself, but passphrase/25th word support is limited.
Can I use a passphrase with my SLIP39 wallet?
Yes, you can use a passphrase with a SLIP39 wallet. However, you should be aware that this is an advanced feature which adds even more complexity to your setup.
If you send funds to a passphrase-protected wallet, you must have the correct passphrase to access them.
If you forget or lose the passphrase, you will not be able to access your funds!
Make sure you properly understand how the passphrase feature works before using it. Funds secured by a passphrase cannot be recovered if you lose the passphrase!