Is anyone here aware of any reading on the approach to an analysis where there is a competing risk between death and complications, but an individual can have any combination of the complications?

For example: I am looking to predict the joint probability of a collection of 20 complications while accounting for death as a competing risk, all predicted by patient characteristics. We have access to a dataset with +20k patients with longitudinal observations over a period of 8-10 years.

In simpler cases, I have simply used a multinomial of state transition model organized with mutually exclusive categories:

no event | complication 1 | complication 2 | complication 1 and 2 | | Death

This seems crude to me, and a little absurd to look at all combinations of 20 complications. Is anyone aware of a more elegant/correct approach? Ease of interpretability isnāt of concern.