Lets assume we have an open quantum system. In the Born-Markov-Approximation, the dynamics of the density operator is described by a Lindblad-Type equation \begin{equation} \dot{\rho} = - i[H, \rho] + \sum_k \left(A_k\rho A_k^\dagger - \frac{1}{2}\{A_k^\dagger A_k, \rho \}\right). \end{equation} When describing photon losses in a cavity, the collapse operator will be the photon annihilation operator $a$. I know one derivation of this is by the Bloch-Redfield-Equation. Here, the collapse operators $A(\omega)$ are the eigenoperators of the Hamitonian, which satisfy \begin{equation} [H, A(\omega)] = -\omega A(\omega), \end{equation} weighted by the spectral function. Since $a$ satisfies the relation for the Hamiltonian $H = \omega a^\dagger a$, its an eigenoperator and thus one of the collapse operators.
Now, if we consider a more complex system, for example multiple cavities coupled with each other and maybe also some atoms, we get more complex eigenstates of the system and $a$ will no longer be a eigenoperator. Why is the photon decay still modeled by chosing $a$ as the collapse operator and not the correct eigenoperators of the Hamiltonian? Is this just an approximation? If yes, why is nobody talking about it?