Right now to recover from a backup with an encrypted HD wallet the user must do something like unlock the wallet with a really long time out and manually trigger a rescan,  otherwise they risk missing some keys when auto-topup cannot run.
#include <consensus/validation.h>
#include <external_signer.h>
#include <fs.h>
#include <interfaces/chain.h>
#include <interfaces/.h>
#include <key.h>
#include <key_io.h>
#include <outputtype.h>
#include <policy/fees.h>
#include <policy/policy.h>
#include <primitives/block.h>
#include <primitives/transaction.h>
#include <psbt.h>
#include <random.h>
#include <script/.h>
#include <script/script.h>
#include <script/signingprovider.h>
#include <support/cleanse.h>
#include <txmempool.h>
#include <util/bip32.h>
#include <util/check.h>
#include <util/error.h>
#include <util/fees.h>
#include <util/moneystr.h>
#include <util/rbf.h>
#include <util/string.h>
#include <util/system.h>
#include <util/translation.h>
#include </coincontrol.h>
#include </context.h>