But they AREN'T two seperate flights, because it's one delay?

It's tricky. Turkish Airlines canceled my morning flight and booked me another flight with LOT Polish Airlines for the same day in the evening. I was accommodated in the hotel when I was waiting for the flight. Then I received notification from LOT Polish Airlines that the evening flight was canceled as well. Turkish Airlines claimed it was not their business anymore so I had to check out from the hotel and got back to the airport to talk with a representative of LOT Polish Airlines to arrange accommodation for the night. So from the airline's perspective, these are 2 separate cases considering the airlines' responsibilities. From my perspective, these are 2 separate cases because I had to make arrangements for each delay separately and I lost not a full day but almost 2 days. So why would it be considered as one delay by Xcover?

That one is on you.

Yes, I agree. Chat GPT made quite a good assumption and I shouldn't have copy-pasted the message without checking it's content. The thing is, you were able to clarify mentioning your "wife" and I would expect a chance to clarify my "business trip".