### 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_
return false;
    }
    int64_t creation_time = GetTime();
    std::string xpub = EncodeExtPubKey(master_key.Neuter());
    
    std::string desc_prefix;
    std::string desc_suffix = "/*)";
    switch (addr_type) {
    case OutputType::LEGACY: {
        desc_prefix = "pkh(" + xpub + "/44h";
        break;
    }
    case OutputType::P2SH_SEGWIT: {
        desc_prefix = "sh(wpkh(" + xpub + "/49h";
        desc_suffix += ")";
        break;
    }
    case OutputType::BECH32: {
        desc_prefix = "wpkh(" + xpub + "/84h";
        break;
    }
    case OutputType::BECH32M: {
        desc_prefix = "tr(" + xpub + "/86h";
        break;
    }
    case OutputType::UNKNOWN: {
        
        
        assert(false);
    }