You can also change the passphrase instead of the derivation path. I'd create a new wallet every year with same seed and new passphrase like "2020", "2021", etc.
Doing so robs you of the ability to use a random and secure passphrase, an important feature providing additional security and plausible deniability, which everyone should be using on their main wallets. I would only suggest using passphrases to achieve additional wallets if you use a different random and secure passphrase each time. Passphrases like "2020" are utterly trivial to brute force.
Most people don't use passphrases at all (I think OP one of them). And if a user used passphrase for example "456rty789uio", he can use "456rty789uio2020" instead.
BTW, I don't agree that everyone
should use a passphrase. Yes, it improves security and plausible deniability, but 12 words provide the necessary level of security, so that passphrase is optional.