fair warning ⚠️ now I’m scared to try it. should i use one of these? a seed phrase or descriptors?

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you should understand what both are and how they relate to one another.

a good way to practice is to generate a seed phrase, choose a derivation path, and try to recreate the same list of keys using Bitcoin Core (importdescriptors).

you should be able to do this without making any transactions 🧐