### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
uint160 hash;
        key >> hash;
        CScript script;
        value >> script;
        if (!pwallet->GetOrCreateLegacyScriptPubKeyMan()->LoadCScript(script))
        {
            strErr = "Error reading wallet database: LegacyScriptPubKeyMan::LoadCScript failed";
            return DBErrors::NONCRITICAL_ERROR;
        }
        return DBErrors::LOAD_OK;
    });
    result = std::max(result, script_res.m_result);
    
    if (ckey_res.m_records > 0) {
        
        if (last_client == 40000 || last_client == 50000) result = std::max(result, DBErrors::NEED_REWRITE);
    }
    
    std::map<uint160, CHDChain> hd_chains;
    LoadResult keymeta_res = LoadRecords(pwallet, batch, DBKeys::KEYMETA,
        [&hd_chains] (CWallet* pwallet, DataStream& key, CDataStream& value, std::string& strErr) {
        CPubKey vchPubKey;
        key >> vchPubKey;
        CKeyMetadata keyMeta;
        value >> keyMeta;
        pwallet->GetOrCreateLegacyScriptPubKeyMan()->LoadKeyMetadata(vchPubKey.GetID(), keyMeta);
        
        if (keyMeta.nVersion >= CKeyMetadata::VERSION_WITH_HDDATA && !keyMeta.hd_seed_id.IsNull() && keyMeta.hdKeypath.size() > 0) {