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The pro in my mind of doing two bip-44 “accounts” is then it’s only 1 seed to store instead of 2.

Bruh just buy 2 new cold cards n keep the kyc and non kyc stacks completely separate

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Bruh they cost like $240 which is a lot of sats bro. The technology exists to keep them separate with one seed phrase, why wouldn’t I?

240 is chump change when talking about storing bitcoin

Right. I still don’t get why I would want to store two seed phrases when I could just store one? Larger attack surface, more to lose, etc.

Don’t take the advice of someone who’s have been involved with bitcoin longer than you.