3-of-3 creates a single-point-of-failure. 2-of-3 eliminates a single-point-of-failure such as a typo in a passphrase, which is essentially a 2-of-2. One minor mistake and you will hodl forever. If you fuck up one of your keys in a 2-of-3, you can still recover. Ask me how I know. 😉

Well you have to weigh the risks. A typo versus the risk of three (instead of two) compromised devices/software needed to steel your assets. If you make a setup like this (2-of-3, or 3-of-3). I suppose you test it before you use it. Like delete everything and recover it from backup seeds. So that ...