If you don't have a multisig or social recovery wallet, imo the next best is to split up your seedphrase with a "poor man's 2-of-3": chunk 1 is top + middle, chunk 2 is middle + bottom, chunk 3 is bottom + top.

We could even use the kind of paper that people use to sign two copies of a form at the same time for this:

Protip: Don't use paper. I tried a variant of this with 5 friends, and 3 of them lost the paper within a few years (moves, etc). My next attempt will be requiring people to save it in their password manager.