Doing multiple PSK / PPSK is not compatible with WPA3 (at least as supported by most APs today*, as WPA3 requires management frame encryption), so you limit to WPA2 only, therefore you're better off just having multiple SSIDs with WPA3 support. (Also that way you can have a "secure" network which is WPA3 Personal only, much easier than using WPA Enterprise and gives a reasonable level of security for home use.)

*: In theory password identifiers (https://www.gabriel.urdhr.fr/2022/06/07/impact-of-the-differ...) could be used with WPA3-SAE, but I don't know how good the support is currently...