Even if you don't use a Legacy address, if you only have a single private key instead of a seed that can generate a list of thousands of addresses, you are apparently still bound by the rule of how if you send BTC to another address, you get BTC sent to a change address. However, what comes next if you have to send some again and all your BTC goes to change a second, third, and fourth time? Doesn't that mean the next movement is for the Bitcoin to go to a different receiving or change address, and it will be one that you don't have the other private key for, because you only have one.
The reason I ask is because of the ability to recovery cross-platform. I will have a seed, but some platforms will only make hierarchy zero show up, making it the same thing as only self-custody-ing one private key and not interacting with the others.
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