You're making altcoin posts you aren't using the forum for Development & Technical Discussion posts. If you're limit in cryptos broadens to trading you won't have to worry about BIP 85. As a beginner there's sizable study if you want to learn about BIPs it isn't easy.
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.