There seems to be a discrepancy in the configuration used to generate Bitcoin SegWit (BIP84) addresses.
The user is using bitcoinjs-lib to generate the addresses and is referring to Ian Coleman's bip39 repo for guidance.
The user found that there are differences in the key and address outputs between bitcoinjs-lib and Ian Coleman's tool.
The user is questioning which configuration is correct for generating native SegWit (BIP84) addresses and if there are any risks or drawbacks in using the xpub/xprv prefixes.