Also, SeedXOR is to use multiple private keys to “add” together to reveal another private wallet. I don’t think you should use it the other way where you keep one wallet and try to “subtract” out the other wallets.

It’s a way to protect one and not for backing up multiples from one wallet.

The idea is you want to secure a single sig wallet, we will simplify it as the number of 200. Then we can form 2-4 other wallets that “add” together to form 200. There’s many, many, many possible combinations of numbers that add up to form 200.

1+199

2+198

1+2+197

And so on

Pick any three to create your SeedXOR backup.

If you only backup 200 expecting to restore wallets from it reversing the SeedXOR process, you most likely won’t get the same sets you did the first time.

This is assuming there’s only 200 private keys, and in reality I’m pretty sure you will never recreate the same set.

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#[6]

Coldcard does give you the option of a deterministic split or a random split

That’s not SeedXOR. That’s deterministic entropy via BIP-85. Different.