Deriving New Addresses When Connecting Hardware Wallet to Neuron

[Keith-CY]

Is your feature request related to a problem? Please describe.
Currently, when Neuron connects to a hardware wallet, it only uses the same address with the path m/purpose'/coin_type'/account' (https://github.com/nervosnetwork/neuron/blob/develop/packages/neuron-wallet/src/controllers/hardware.ts#L54), rather than m/purpose'/coin_type'/account'/change/address_index. There are two main reasons for this:

1. Consistency with CKB-CLI:
   CKB-CLI’s default behavior is to always use the same address, limited to the account level in the path: https://github.com/Magickbase/neuron-internal/issues/1307.
2. Optimized User Experience:
   This approach prevents funds from being scattered across multiple addresses, which would otherwise require users to sign transactions multiple times.

However, hardware wallets support HD wallet address derivation, and Bitcoin wallets already allow address derivation. Recently, some users have requested this feature(https://discord.com/channels/657799690070523914/657799690552606745/1297367214550290493), as address derivation can improve privacy.

Describe the solution you'd like

We should allow users to switch to this mode, enabling them to derive more addresses either automatically during synchronization or manually as needed.

Additional context
This feature is not high-priority, it can be scheduled for months.