For all native addresses in your wallet you can get the private key for each and every one of them, so whichever address receives, you should be able to use received funds.
If you receive funds at a multisig address (say, 2-2), and you have access to the both addresses, you’ll be okay, but you’ll have to figure out the exact procedure in the GUI (I haven’t used multisig transactions in CW, but as long as you control the addresses required to release the funds, you can always get your funds out). You can also try the procedure in advance using testnet (https://counterwallet.io/?testnet=1) with “fake” tokens (get them from a bitcoin faucet, then send to a wallet address) so that you can confirm it works before you get funds on mainnet.