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! 
the length of the code is not a barometer of how much knowledge is required to fully understand the algorithm.Quote from: o_e_l_e_o
Yeah, I would echo what pooya87 has said above. If your wallet software is not clear which derivation path it is using, then you shouldn't be using that software, exactly because you will likely run in to problems trying to recover access to your coins on a different piece of software in the future. Stick to reputable open source wallet software and you will not run in to such problems.
in an ideal world yes, i don't disagree to steer clear of wallet software that is not open source and fully documented. thats best practice. Quote
Not as far as I know. Any time someone has sent money to the wrong address it has either been they copied the entirely wrong address or they were subjected to clipboard malware, and did not bother to double check before hitting send.
what about someone accidentally typing in the wrong 24 or 12 word seed phrase but it is still valid? what's the chances of that? hopefully that's in the same 1 in 4 billion probability area too. if not then...not good.