This BIP-85 will be very complex for a beginner like us, as I am even looking at what you wrote I’m confuse for real. But I will learn more about this.
Use only when you are confident that you have learned it, you can test BIP-85 on the
iancoleman website and understand the whole key generation scheme.
It's a tool recommended for offline use, but it works online too. Use the online version only for playground and exploring the utilities in it (like BIP-85). Never enter sensitive information on any online site, your computer may have spyware. You never know.