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Nit: it's not 'two' descriptors if one uses the multipath expressions per BIP-389
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bip-0388.mediawiki

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== Abstract ==
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Wallet policies build on top of output script descriptors to represent the types of descriptors that are typically used to represent "accounts" in a software wallet, or a hardware signing device, in a compact, reviewable way. A wallet policy always represents exactly two descriptors, which produce the receive and change addresses that are logically part of the same account.
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Wallet policies build on top of output script descriptors to represent the types of descriptors that are typically used to represent "accounts" in a software wallet, or a hardware signing device, in a compact, reviewable way. A wallet policy always represents descriptors which produce all the receive and change addresses that are logically part of the same account.
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We simplify the language to suit devices with limited memory, where even keeping the entire descriptor in memory could be a major hurdle, by reducing the generality of descriptors to just the essential features and by separating the extended pubkeys and other key information from the descriptor.
2020

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