This BIP 85 thing is amazing.

I did know it existed.

Thank you.

So I can create many online wallets from my master seed?

And it's safe?

And the only thing I need to recover is the index number?

Amazing.

If there any downside or risk?

Is it really safe to recover an online a wallet from 12 words bip39 created as a child index 0 from my precious cold offline secret seed?

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I wanted to say I did not know it existed.

💯 if a hot wallet gets compromised this way, there is no way for someone to work backwards to get your master