Responsive Unique Card Layout Using CSS Grids

I'm most curious if there is a way to have direct grid container children setup for this solution without having to wrap two of the children in another grid container. That's the approach I took, because I was creating a blank track item prior to creating another grid container by either using grid-areas or grid-template-columns with grid-template-rows just for the two stacking cards.

example of what I did:

<section class="grid">
  <div class="grid-item">
  <div class="row-set">
      <div class="grid-item">
      <div class="grid-item">
  </div>
  <div class="grid-item">
</section>

section {
    display: grid;
}

row-set {
display: grid;
}

Thank you for stopping by and checking out the solution and providing any feedback!