HD Wallet with BIP44 - workaround of deriving public keys knowing only a xpub
This is, in fact, the intended approach and use of BIP 44.
The purpose is to derive to the account level with hardened derivation. Then export that xpub to be imported into other software which derives the receiving and change addresses. When signing a transaction, the wallet with the private keys can derive the entire path to get the individual child private keys needed to sign.