Can you get the honoring wishes if you don’t have 3 umbilical cord

Yeah instead of the freebie trophies for getting the chalices they should have made one each for doing the Isz, Ailing Loran, and the Cursed story dungeons. Guess they didn’t consider people making the save edited dungeons to skip to Queen Yarnham.

On the flip side at least there weren’t any tedious upgrade path or covenant item trophies like previous games.

It's possible to get all three endings without New Game+. You need a thumb drive and save data that hasn't eaten 3 umbilical cords and is right before Gehrman. Transfer the save data to the drive, load the game, accept Gehrman's offer. Once you get the trophy, quit, and transfer the save on the drive to your system. Load the game, Decline the offer, kill Gerhman, get the trophy, quit. Transfer the save to the system, nom the cords, kill Gehrman, kill Moon Presence, get trophy. Ta-da.

for Hunter's Essence, does it all have to be on the same character?

So no one's gonna talk about the fact that there are achievements for killing BSB, Amygdala and Ebrietas, but also for getting the Pthumeru, Loran and Isz chalices? Devs were a bit lazy for trophies imo