I like to think about it as single points of failure.
If you have 24 words and split them in half (storing 12 in one place and 12 in another), you have two places where you can lose all your coins. That sounds scary.
Everyone has a different threat model, but I assume that losing my own coins is my most likely threat, while theft still needs to be defended against but is not as likely.
So, some options are putting all 24 words in the same place or making more copies so that you can suffer a loss to one set of words and not lose your coins. You might also consider putting seed words in steel or perhaps saving a digital copy on a CD.
In the long run I'd encourage you to investigate multisig options, as they have gotten a lot easier to do and can provide some redundancy.
I like to think about it as single points of failure.
If you have 24 words and split them in half (storing 12 in one place and 12 in another), you have two places where you can lose all your coins. That sounds scary.
Everyone has a different threat model, but I assume that losing my own coins is my most likely threat, while theft still needs to be defended against but is not as likely.
So, some options are putting all 24 words in the same place or making more copies so that you can suffer a loss to one set of words and not lose your coins. You might also consider putting seed words in steel or perhaps saving a digital copy on a CD.
In the long run I'd encourage you to investigate multisig options, as they have gotten a lot easier to do and can provide some redundancy.