Suppose:
1. You run a few separate businesses that send and receive coins, and you don't want them to be associated with each other via spending each other's coins.
2. You don't want the hassle of manually selecting which coins to spend for each transaction because you do 20 transactions manually every day.  Also for convenience it has to be a PC wallet.  (for added security I run it inside an encrypted single purpose virtual machine where 99.9% of malware won't find it).
3. You memorized the 12 word seed phrase that Electrum automatically generated, and you want all your funds to be recoverable by it.

My old solution is to have several separate wallets inside a single account on blockchain.info.  But this is extremely laggy and I don't trust them because the site is so buggy, plus it started offering loans and interest like a bank. So I'm switching to self custody.

What I want is a single wallet, based on that single seed phrase, which has separate compartments that work like separate wallets.  I'm not too concerned about retaining segregation of funds in the event that I need to recover from the seed phrase (although theoretically encrypted metadata for that purpose could be hidden on the blockchain)

Alternatively, maybe I should run several instances of electrum with separate wallets based on appending alpha, bravo, charlie, etc to the original seed phrase.  Will it let me do that?

What do you guys think I should do?