Also, keep in mind there is a way on Electrum to show legacy addresses to send and receive funds.
Do you mean you can have a legacy address to receive and the coins will be in the same private key as the bc1 address?
You can generate two addresses from the same private-key, BUT they still are different addresses. It's not like 1 BTC in the bc1 address = 1 BTC in the 3 addresses.
Go with the middle term.
Either have a bech32 wallet (bc1 addresses) and a nested segwit (3 addresses) wallet for sites that don't accept it, or go full nested segwit. Do
not go with Legacy addresses (starting with 1).