I don't understand this condition:

> if using a single backup and index based derived key sets including BIP85 32bit hex keys used as nsec.

But if I could get away with ignoring it, I would only quote this part: "I think it is the only option" and then I would say "it's clearly not the only option because bitcoin core doesn't use bip39."

Sadly, I can't say that without doing an injustice to what you said

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It's just a question of convenience. You can obviously use something else but having a seperate key backups for every thing becomes ineffective, especially if you're using steel backups.

Bitcon started off with address-based backups, it doesn't mean it was the most effective approach, it was the reason why folks build better solutions.