If i do lost the access to this wallet, and I put the seeds on other machine to recover my wallet and the funds are 0, this might be because I haven't inserted the derivation path... so I should put m/0'/n' on it (considering it is a standard wallet) and then my problem is solved? If not, what should I do? What are the concerns about it?
If you restore it to Electrum, it wont ask you for a derivation path just like when you created the wallet.
But if you restore it to another wallet, that depends on the wallet and its restore options.
Some wallets directly support the seed phrase; some wallets that accept descriptors can import the master private key with the correct derivation path.
Some useful info:
Under the hood, Electrum derives a "
master private key" (
m) from the seed and derive external and internal chains at (
m/0 and
m/1) for receiving and change address parent extended keys.
Then, the addresses which at (
m/0/0~19 and
m/1/0~9) for the initial 20 receiving and 10 change addresses.
This is only useful for deriving the keys and addresses from the master private key using tools like IanColeman's BIP39 tool or for import via "
descriptors".