Free 2of3 setup using HW wallets?

For anyone that got doxed a few years ago by ledger leaks you learnt the importance of not giving up your details to any company in case they got hacked.

Few years on and i see that sponsors to pods / YouTubers offering neat multisig are all subscription based, and while i have no issue paying for a HW wallet or other good tech a subscription to any 3rd party seems risky in itself as these companies eg casa / nunchuck etc become honey pots and their services / staff become a risk.

Enter the search for a free 2of3 multisig setup that i can access via ipad / phone. The closest I have found is Blockstream Green’s 2 of 2 using old ledger or Jade combined with their 2FA set up with multiple yubikeys. While this is ok I realise if Blockstream went away recovery may not be simple.

Soo what am I missing? Seems I cant be the only one looking for something like this? Thought taproot was gonna solve all multisig and make it easy?