I was under the impression that Bip 32, 39, 44 (hierarchical deterministic wallet implementations) have a specific chain based upon hashes of derivation paths to seed phrases and that the wallet just starts from the first entry in the array and assumes after about 5 blank addresses, that there are no more UTXO's to be found in the array.

I remember a warning being given out not skip too many addresses while generating new payment addresses if you wanted the wallet to find those UTXO's and update the total balance.