Where's that cache live? How's it maintained? How does one update it? And how do you determine if that is a 'deceptive' change or not?

Seems much more complicated imo

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It may live in senders client. Compromise is first transaction will not have a cached value. It will be there for the following ones.

Ah, I understand now. Yep that could be a help too. Something like that could work well in tandem with this.

Yes, nostr client etc can hide the pubkey/hash part in your solution while zapping takes that into account as people will not manually type the ln address.

LGTM