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.
}
    uint256 hash = wtx.GetHash();
    entry.pushKV("txid", hash.GetHex());
    entry.pushKV("wtxid", wtx.GetWitnessHash().GetHex());
    UniValue conflicts(UniValue::VARR);
    for (const uint256& conflict : wallet.GetTxConflicts(wtx))
        conflicts.push_back(conflict.GetHex());
    entry.pushKV("walletconflicts", conflicts);
    entry.pushKV("time", wtx.GetTxTime());
    entry.pushKV("timereceived", int64_t{wtx.nTimeReceived});
    
    std::string rbfStatus = "no";
    if (confirms <= 0) {
        RBFTransactionState rbfState = chain.isRBFOptIn(*wtx.tx);
        if (rbfState == RBFTransactionState::UNKNOWN)
            rbfStatus = "unknown";
        else if (rbfState == RBFTransactionState::REPLACEABLE_BIP125)
            rbfStatus = "yes";
    }
    entry.pushKV("bip125-replaceable", rbfStatus);
    for (const std::pair<const std::string, std::string>& item : wtx.mapValue)
        entry.pushKV(item.first, item.second);
}
struct tallyitem
{
    CAmount nAmount{0};
    int nConf{std::numeric_limits<int>::max()};
    std::vector<uint256> txids;
    bool fIsWatchonly{false};
    tallyitem() = default;