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.
}
                }
                nTimeBegin = std::min(nTimeBegin, nTime);
                keys.push_back(std::make_tuple(key, nTime, fLabel, strLabel));
            } else if(IsHex(vstr[0])) {
                std::vector<unsigned char> vData(ParseHex(vstr[0]));
                CScript script = CScript(vData.begin(), vData.end());
                int64_t birth_time = ParseISO8601DateTime(vstr[1]);
                if (birth_time > 0) nTimeBegin = std::min(nTimeBegin, birth_time);
                scripts.push_back(std::pair<CScript, int64_t>(script, birth_time));
            }
        }
        file.close();
        EnsureBlockDataFromTime(*pwallet, nTimeBegin);
        // 
        if (keys.size() > 0 && pwallet->IsWalletFlagSet(WALLET_FLAG_DISABLE_PRIVATE_KEYS)) {
            pwallet->chain().showProgress("", 100, false); // 
            throw JSONRPCError(RPC_WALLET_ERROR, "Importing wallets is disabled when private keys are disabled");
        }
        double total = (double)(keys.size() + scripts.size());
        double progress = 0;
        for (const auto& key_tuple : keys) {
            pwallet->chain().showProgress("", std::max(50, std::min(75, (int)((progress / total) * 100) + 50)), false);
            const CKey& key = std::get<0>(key_tuple);
            int64_t time = std::get<1>(key_tuple);
            bool has_label = std::get<2>(key_tuple);
            std::string label = std::get<3>(key_tuple);
            CPubKey pubkey = key.GetPubKey();
            CHECK_NONFATAL(key.VerifyPubKey(pubkey));
            CKeyID keyid = pubkey.GetID();