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.
"If an address/script is imported without all of the private keys required to spend from that address, it will be watchonly. The 'watchonly' option must be set to true in this case or a warning will be returned.\n"
                "Conversely, if all the private keys are provided and the address/script is spendable, the watchonly option must be set to false, or a warning will be returned.\n"
            "\nNote: This call can take over an hour to complete if rescan is true, during that time, other rpc calls\n"
            "may report that the imported keys, addresses or scripts exist but related transactions are still missing.\n"
            "The rescan parameter can be set to false if the key was never used to create transactions. If it is set to false,\n"
            "but the key was used to create transactions, rescanblockchain needs to be called with the appropriate block range.\n"
            "Note: Use \"getwalletinfo\" to query the scanning progress.\n",
                {
                    {"requests", RPCArg::Type::ARR, RPCArg::Optional::NO, "Data to be imported",
                        {
                            {"", RPCArg::Type::OBJ, RPCArg::Optional::OMITTED, "",
                                {
                                    {"desc", RPCArg::Type::STR, RPCArg::Optional::OMITTED, "Descriptor to import. If using descriptor, do not also provide address/scriptPubKey, scripts, or pubkeys"},
                                    {"scriptPubKey", RPCArg::Type::STR, RPCArg::Optional::NO, "Type of scriptPubKey (string for script, json for address). Should not be provided if using a descriptor",
                                        RPCArgOptions{.type_str={"\"<script>\" | { \"address\":\"<address>\" }", "string / json"}}
                                    },
                                    {"timestamp", RPCArg::Type::NUM, RPCArg::Optional::NO, "Creation time of the key expressed in " + UNIX_EPOCH_TIME + ",\n"
                                        "or the string \"now\" to substitute the current synced blockchain time. The timestamp of the oldest\n"
                                        "key will determine how far back blockchain rescans need to begin for missing wallet transactions.\n"
                                        "\"now\" can be specified to bypass scanning, for keys which are known to never have been used, and\n"
                                        "0 can be specified to scan the entire blockchain. Blocks up to 2 hours before the earliest key\n"
                                        "creation time of all keys being imported by the importmulti call will be scanned.",
                                        RPCArgOptions{.type_str={"timestamp | \"now\"", "integer / string"}}
                                    },
                                    {"redeemscript", RPCArg::Type::STR, RPCArg::Optional::OMITTED, "Allowed only if the scriptPubKey is a P2SH or P2SH-P2WSH address/scriptPubKey"},
                                    {"witnessscript", RPCArg::Type::STR, RPCArg::Optional::OMITTED, "Allowed only if the scriptPubKey is a P2SH-P2WSH or P2WSH address/scriptPubKey"},
                                    {"pubkeys", RPCArg::Type::ARR, RPCArg::Default{UniValue::VARR}, "Array of strings giving pubkeys to import. They must occur in P2PKH or P2WPKH scripts. They are not required when the private key is also provided (see the \"keys\" argument).",
                                        {
                                            {"pubKey", RPCArg::Type::STR, RPCArg::Optional::OMITTED, ""},
                                        }