You left out an important detail. You do need more than just the seed phrase to recover funds from a deterministic wallet. The derivation path is also critical to locating your UTXOs. You can think of it as a treasure map to locate the funds. Without that, there’s a lot of guesswork required, and potentially lost funds if the wallet isn’t following a documented standard. It’s very important to note the type of software and hardware used to generate the wallet to avoid a panic situation where a wallet appears to contain no funds, when actually it’s just missing the instructions to locate them.