2-of-3 Multisig Vs 3-of-5 Multisig

Hi all - I'm considering leaving my Casa 3-of-5 Multisig for the Unchained Capital 2-of-3 Multisig (or maybe Nunchuk 2-of-4). I’m a bit concerned that with the 2-3 Multisig that if I lose 2 keys (ie my hardware wallet and my phone) that my BTC is lost forever. However, with the 3-of-5 Multisig, I can lose 1x hardware wallet and my phone and still have access to my BTC. (Casa also recommends the 3-of-5 Multisig if holding more than $100k of BTC). What’s the safest way to HODL? Thank you