One addition that may help nontechnical users is a tiered model rather than one setup being presented as the default for everyone.
A small everyday balance, meaningful personal savings, and life savings may justify different levels of complexity. A 2-of-2 multi-vendor setup can reduce some risks, but it also introduces more backup material and more ways for an inexperienced user to make a recovery mistake.
Would it make sense for the guidance to define security levels and include a recovery rehearsal before substantial funds are deposited? Many users create a backup but never confirm that they can restore it or that they retained all the information required by the setup.