Someone mentioned that xpub created watch only wallets can create new addresses but if you make a watch only with a single address it can not.
I noticed a discussion where they said something about you could have an issue with " change"
But I wasnt sure what they meant and I think they never came back to explain further. .
Thanks.
There is no difference creating a watch on my wallet from either address or xpub if the person is actually thinking that with xpub which is a master public key will expose the wallet it is a no because only importing private key or seed phrase does that.
The difference is since all address belonging to that wallet will be derived using the master public key (xpub) it is better to track all addresses on that wallet but if you want to track a single wallet then you can simply just import that address as a watch only wallet and it tracks only that address.
What they mean concerning change addresses is if you spent from that address or wallet and there is a change then you can keep track of that change since you’re tracking just a single address but with xpub you will be able to track even the change addresses too.