For me this one worked without magisk.
https://xiaomi.eu/community/threads/miui-11-0-stable-release.52628/post-523271
Google Pay clear date and cache.
Restart in TWRP.
Change the file dg.db chmod to 440.
Restart system.
Hey, i'm not responsible if you brick your phone.
But if you mean what i would do, than is the answer: Yes, i would give it a try.
If the ROM is not the right one, than TWRP should abort the installation automaticly.
No need to unzip and recompress.
Just download on PC open with WINRAR and replace or delete on the fly.
After that just press Okay in WINRAR.
Copy to phone and flash with TWRP.
No need to modify anything.