I don’t understand the use case for handing out
individual multipliers, if what you desire is a
persistent relationship. If each party dedicates a
child-wallet for receiving coins, and saves a
PubKey/ChainCode for sending coins, the two parties
can transaction securely forever without ever
exchanging any more information, and without any
address reuse.
I think ideally, the default behavior is that
wallets always dedicate a new child node {PubKey,
ChainCode} to each party they transact with. At the
presentation layer, you have a “contact” and each
contact has a transaction history. You can send coins
to a contact at any time, and internally the wallet
picks the next address in their sequence. Any funds
received on pubkeys from contact’s sequence are
attributed to that contact. The wallet can organize
the contacts, and roll-up the transaction history into
‘ledgers’ and ‘balances’ however they want – it could
be based on the underlying BIP32 hierarchy or perhaps
not. The cost of watching large a number of pubkeys,
even if you ‘look ahead’ 100 pubkeys for each contact,
is relatively small versus the benefits.