How to monitor specific derived addresses from xpub

[Bitcoin]

How to monitor specific derived addresses from xpub

I've exported my xpub from bluewallet and generated a few derived addresses from it using invoice numbers as derivation indexes. Then I sent a few sats to one of those address as a test. As I'm new learning this technology, I got surprised because the wallet didn't show the balance. I made a small research and realized that the wallet doesn't monitor all the addresses derived from my xpub, it only tracks incoming transactions for 20 addresses by default.

Said that I have a few questions:

1- To maintain a record of the real balance, should I request a Bitcoin/API node asking for info related to each derived addresses?

2- There's any wallet I can use to monitor specific derived addresses and allows me to spend that balance?

3- How can I spend that balance without a wallet or compromising my seed?

Context: I'm learning how to process Bitcoin payments with nodejs.

Thanks so much in advance!

Source: How to monitor specific derived addresses from xpub