Is the arrangement of the words in your written backup correct?
It is, no doubt.
~~~
Although not 100% reliably confirmed, it seems so far OP created an Electrum seed, but switched to BIP39 option to mess around with derivation path. We don't know for sure, if none of the recovery words or their sequence have been messed with. Anyway, this will very likely give a BIP39 checksum error but we know that Electrum allows to proceed even with such a checksum error.
OP says he has paper and metal backups of recovery words. I would assume any alterations (or none) of recovery words would've been done before making a metal backup.
Of course there's the possibility that OP altered the recovery words in some way as a means of obfuscation and backed up the obfuscated words (which is foolish and a recipe for desaster when not additionally properly documented elsewhere).
I'm almost running out of crazy ideas what could've been done wrong.

Frankly, I don't know if FinderOuter can cope with such crazy things that might have happened in this case. (Haven't had to use that tool yet.)
My conclusion to this moment is:
I created a seed phrase using electrum, it was in electrum format. But I wanted smth that can be restored without electrum. So I just used it as a Bip39 seed phrase, and it worked, even with a "Bip39 checksum failed".
Meanwhile I was reading articles about restoring a btc wallet only using a seed phrase. I found out I should use m/44'/0'/0'/0/0 for bitcoin. I also have a new flashback, that I deleted some of the indexes in the end with a thought "I don't know wtf is that, lets see if it works without it. (Thats a new detail I remembered yesterday before sleep). Also I remember replacing "h" with '.
It worked, I got a working wallet and was able to restore it after deleting. I printed seed phrase, learned it by heart. Then moved a large sum there. Then deleted and restored the wallet again. It worked, I was happy.
Thats pretty much it. If I'm right, the derivation path should not be too complicated, since I deleted some indexes out of it.
Here is the list of derivation paths I tried:
m/84'/0'/0'
m/84'/0'/1'
m/84'/0'/2'
m/84'/0'/3'
m/84'/0'/4'
m/84'/0'/5'
m/49/0/0
m/47'/0'/0'
m/44'/60'/0'
m/44'/0'/1'/0/0
m/44'/0'/2'/0/0
m/44'/0'/3'/0/0
m/44'/0'/4'/0/0
m/44'/0'/5'/0/0
m/44'/0'
m/44'/0
m/44'/0'/0
m/44'/0'/0'
m/44'/0'/1'/1
m/44'/0/0
m/44'/0'/1'
m/44'/0'/2'
m/44'/0'/3'
m/44'/0'/4'
m/44'/0'/5'
m/44'/0'/0'/1
m/44'/0'/0'/2
m/44'/0'/0'/3
m/44'/0'/0'/4
m/44'/0'/0'/5
m/44'/0'/0'/1/1
m/44'/0'/0'/2/2
m/44'/0'/0'/3/3
m/44'/0'/0'/4/4
m/44'/0'/0'/5/5
m/44'/0'/0'/0/1
m/44'/0'/0'/0/2
m/44'/0'/0'/0/3
m/44'/0'/0'/0/4
m/44'/0'/0'/0/5
m/44'/0/0/0
m/44'/0/0/0/0
m/44'/0'/0'/0/0
m/44'/0'/1'
m/44'/0'/2'
m/44'/0'/3'
m/44'/0'/4'
m/44'/0'/5'
m/44'
m/84'/0'
m/84'/0
m/84'/0'/0
m/49'/0'
m/49'/0'/0'
m/49'/0'/0
m/49'/0'/0'/0
m/44'/0'/1'/0
m/44'/0'/2'/0
m/44'/0'/3'/0
m/44'/0'/4'/0
m/44'/0'/5'/0
m/44'/0'/1/0
m/44'/0'/2/0
m/44'/0'/3/0
m/44'/0'/1
m/44'/0'/2
m/44'/0'/3
m/44'/1
m/44'/2
m/44'/3
m/44'/0'/0'/1/0
m/44'/0'/0'/2/0
m/44'/0'/0'/3/0
m/44/0
m/44/0'
m/84'/0'/0'/0
The list lacks structure, I'm currently trying to contact BTCRecover dev to buy a script, that could automate that.
I also tried m/44'/0'/0'/0 m/44'/0'/0'/0/0 m/44'/0'/0' m/44'/0/0 m/44'/0' m/44'/0 m/44'/0'/0 with everything I could use as an extended word for seed phrase, just in case.
I have a flashback where I was changing h to ‘ next to number 44. So most probably the beginning is m/44’/
And I remember it had more than one ‘.
I would highly recommend to properly document anything that you might remember so that you're able to thoroughly explore and exhaust any detail in your search methodically.
Yeah, I did it this morning.
OP, you have a messy spelling with certain terms, especially with the word "phrase".
If BIP39 option is ticked and you have a spelling error in any of the recovery words, making that word not be in the BIP39 wordlist, Electrum will display "Unknown BIP39 wordlist" below the entry box and next to the "Options" button! But also in such a case, you can still proceed in Electrum to the next step. Watch carefully what is displayed next to "Options" button. You don't want to introduce more variables than necessary.
English is not my native language, I rarely speak it now, and even more rarely write in it. I'm also actively learning Spanish and phrase in Spanish is "frase". Regarding spelling in the seed phrase, all the words there were familiar, and Electrum shows hints, finishing your word. And also at that moment all I was caring about is to not mess the seed frase, thus missing out on everything else.