I'm amazed how many people think the average person can't memorize a 12 word phrase. Most people I know can memorize their social security number, address, at least one if not more passwords, their own phone number as well as the phone number of at least one loved one for emergencies, the DOB of their children and their own DOB. Most of that is a gobligook of numbers rather than words.

Absolutely no one needs to be putting a private key on paper in their house, that is insanity.

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RE:

>The question is if you can reliably remember it in ten or twenty years without ever using it in the interim.

I check my bank account daily for fraudulent transactions; it would behoove anyone storing any sizeable amount of value to check/refresh on that daily, however that looks like for your form of storage.