Sorry for the late response. Yes, there is certainly a trade off which must be made for the increased security. Another possible way would be to use a rotatabl

Sorry for the late response. Yes, there is certainly a trade off which must be made for the increased security. Another possible way would be to use a rotatable key derivation algorithm, where you can provide the 12 word phrase plus a number n, and it will provide you a different wallet for each value of n. Of course the key derivation algorithm must be quantam secure for the security benefit to apply in this context.