Assume I have a xpub for path m/44'/0'/0' and I generate receive addresses from it like m/44'/0'/0'/1 to m/44'/0'/0'/n where n could get really large as time passes.

My question is:

Where does these funds really go? every single derived address has it's own value but do they sum up (likely in the higher tree level) ? because wallets like blockchain show the total value of all generated values. what if all addresses have less than 0.2 BTC and I want to spend like 1.5 BTC .

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