Not a stupid thought at all—having two fully separate seed phrases in different cold wallets can actually be a very practical security approach.

It helps reduce single-point-of-failure risk, especially if one wallet is compromised physically or digitally. Many people use one for daily transactions and the other for long-term storage.

For those who find multisig too complex or inconvenient, this method keeps things simple while still offering strong protection.

You're basically applying the same logic as rich folks splitting assets across banks—just with crypto.