> The longer you go between scans, the more blocks you need to download and process

It's important to note that because of cutthrough (utxos that are already spent can be skipped), this statement isn't entirely true. If you wait long enough between scans, the data you need to process will approach a constant.

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Yeah all I can say is try it really. It’s stupid simple. For some reason, I never was able to even test BIP-47. Not sure why SP got more traction than that