What’s funny about that too is that there aren’t but a handful of common derivation paths. You could write a script to load and check all the possible ones in the background to verify any balance, and then prompt the user if one is found while the user selected a different one.

Something like “you chose a P2SH derivation, but there is a Bech32 derivation with 0.2157 bitcoin in it. Would you like to load that as well?”