Seed phrase storage

I see a lot of people doing crazy shit, like suggesting to store your seed phrase in bank vault with fireproof capsule and never ever storing it online.

What’s the downside of writing seed phrase in safe airtight environment into a .txt file and encrypting it say with password protected WinRAR archive (SHA-256) using a unique long password so it can’t be bruteforced, but still that you can remember by heart, then storing it online on multiple clouds – OneDrive, Apple iCloud and Google Drive?

Literally don’t have to worry your seed phrase will get lost (in case of physical piece of paper), or destroyed or whatever.

Say you create a VM or boot from USB Live Distro if you are paranoid, completely disconnected from the internet on clean OS images, you create .txt with your seed, then encrypt it and put it in password protected archive. Wouldn’t it be more secure than storing it on piece of paper?

Edit:

To add – the issue I have with piece of paper – it’s easy to lose, it can get damaged by water or fire. And I live in Russia, so I can’t store it in bank, because at any time government or corrupted bank/government employees can open citizens vaults at will to take any contents. For me, an encrypted AES-256 file stored on multiple clouds is better, considering that it will take more time than heat death of universe to crack AES-256.

As for brute-forcing 16 alphanumerical: there are 62 possibilities for each character, and 16 characters. This translates to 6216 (47672401706823533450263330816) trials worse case, or half of that on average. If the attacker can do a billion trials per second, that means 47672401706823533450 seconds, which is about 1511681941489 years. And currently you can’t bruteforce at a rate of billion tries per second. I think that’s pretty good protection.