2) Google back up - Talking to a lot of bitcoiners, I kept hearing the same thing - nobody wants to manage yet another set of 12 words.

I wonder to what kind of Bitcoiners have you been talking. This is possibly the worst backup option one could choose. I don’t mind writing down another 12 words but Google backup is a major red flag for me. @Bringin | The Complete ₿itcoin App