The first two suggestions actually would work, either you make use of one wallet and the multiple addresses there or you make use of two or more wallet. This is easily achievable by using a single seed phrase and adding different passphrases to each one to make them new and different wallets. Since you mentioned multisig using this passphrase will be a little more complicated because you might have to get a coresponding multi sig set for that too which will seem way to complicated to me
yeah exactly, I wasn't sure how to set up the passphrases with multisig, especially in a way that also works with unchained.
So if I import the xpubs into wallet software like sparrow, I should be able to see which root addresses a given address is derived from, right? That way when I'm depositing with a brand new address, I know which bucket I'm depositing into?