I originally wanted to create wallet end export bip39 seed to back it up.
Then I wanted to modify the seed by adding something to phrase but this is apparently supported only by Electrum wallet which is not using bip39 standard.
This is not true.
First, you can use a passphrase in many wallets, such as ledger trezor and many others.
You can also use bip39 seed in electrum wallet
Then I learnt that bip39 is not extensible. So I wanted to replace one word in phrase by other word that only person with access to this wallet would know. My thinking behind this is that if I (and others) will store the original seed on paper or electronically, if someone would steal the seed, it will lead to valid wallet but with some insignificant coins on it. But only by replacing one particular word in it would restore correct wallet. Which potential hacker would not know about.
Unfortunately now I learnt that it is not possible to just swap one word because of last word is checksum that would also need to be replaced and is not simple to determine anyway.
Don't do that.
You may think this is smart, but your funds will be more likely at risk.
If you need extra security, add a passphrase to a normal bip39 seed. Each person can have a different passphrase
Don't try to create a new security system. There are good options here. Learn them first.
i recommend ledger and trezor wallets for everyone
they are the safer choice for newbies. your coins will be safe, and that is what matters here.