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I tackled something similar by creating a custom override that restricts customers from adding extra billing addresses after account creation. For more control, I used geo-fencing to limit address registration to specific regions only, which helped avoid mismatches between shipping and billing data. If you’re comfortable adjusting core logic, it’s pretty doable without extra modules.
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I just added a condition in the address form controller to prevent adding new billing addresses if one already exists, and it worked fine without breaking anything else.