A better option is for the majority of users to just stick to the BIP44/49/84 standards and not mess around with custom derivation paths unless they really understand what they are doing.
the majority of users have to go with whatever their wallet software decided for them. and unfortunately, it's not always obvious what exact derivation path is being used. but that's probably the first question they should ask. and then if it's not as you stated, they need to write the derivation path down along with their seed phrase, might need another titanium plate to record that.
but it's surely better than not being able to retrieve your money.Quote
For legacy addresses, the chance of an incorrect address with the correct checksum is 1 in 4,294,967,296. For segwit addresses, the checksum is guaranteed to detect any error effecting up to 4 characters, and has less than 1 in a billion chance of failing to detect more than that. So not quite 1 in trillions, but still incredibly safe.
so there must have not been anyone ever come here on the forum who said they put in their address and sent money to it but then found out they made a typo and the money is sitting there on the blockchain...the probability of that happening is too small to have ever happened. good to know.