I think I wasn't really clear on my wording here. I'm not asking questions like "should I use a passphrase" or "should I use multisig".

What I'd like to get feedback on is - if somebody HAS the seed phrase but isn't really clear about the details from when the wallet was set up, what are the other potential roadblocks that you can hit, when you try to restore your wallet (in whatever software)?

What are the factors that can cause the transactions to not show up?

What do you check first, second, third? From my experience, the script type was a problem. I see these (and similar) issues all the time - some panicked user trying to figure out why the restore doesn't work.