so you've written a bech32 checksum tool? you must be a genius then. 
It's basically a simple for loop bro, it is not rocket science! and unfortunately, it's not always obvious what exact derivation path is being used.
Wrong. Any decent open source wallet has that information either already documented or it is easily extractable from the code. For example we already know what derivation paths bitcoin core and electrum use which are 2 good open source wallets.If it is not "obvious" what derivation path a wallet is using that is because it is closed source and something that should not be used in first place.