As to "some wallets don't allow to" change default derivation path - we speak of Electrum, right, and it is capable of that.
Electrum has this feature for imported BIP39 seed-phrases only.
I'm doing it right this way - constant SEED + different derivation paths. The latter is very easy to memorize - increase the last index by 1 and you are sitting pretty.
You can also change the passphrase instead of the derivation path. I'd create a new wallet every year with same seed phrase and new passphrase like "2020", "2021", etc.