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.
{RPCResult::Type::BOOL, "involvesWatchonly", true, "Only returns true if imported addresses were involved in transaction"},
                            {RPCResult::Type::STR_AMOUNT, "amount", "The total amount received by addresses with this label"},
                            {RPCResult::Type::NUM, "confirmations", "The number of confirmations of the most recent transaction included"},
                            {RPCResult::Type::STR, "label", "The label of the receiving address. The default label is \"\""},
                        }},
                    }
                },
                RPCExamples{
                    HelpExampleCli("listreceivedbylabel", "")
            + HelpExampleCli("listreceivedbylabel", "6 true")
            + HelpExampleRpc("listreceivedbylabel", "6, true, true, true")
                },
        [&](const RPCHelpMan& self, const JSONRPCRequest& request) -> UniValue
{
    const std::shared_ptr<const CWallet> pwallet = GetWalletForJSONRPCRequest(request);
    if (!pwallet) return UniValue::VNULL;
    
    
    pwallet->BlockUntilSyncedToCurrentChain();
    const bool include_immature_coinbase{request.params[3].isNull() ? false : request.params[3].get_bool()};
    LOCK(pwallet->cs_wallet);
    return ListReceived(*pwallet, request.params, true, include_immature_coinbase);
},
    };
}
static void MaybePushAddress(UniValue & entry, const CTxDestination &dest)
{
    if (IsValidDestination(dest)) {
        entry.pushKV("address", EncodeDestination(dest));
    }