### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
} 
    assert(!desc_prefix.empty());
    
    if (Params().IsTestChain()) {
        desc_prefix += "/1h";
    } else {
        desc_prefix += "/0h";
    }
    std::string internal_path = internal ? "/1" : "/0";
    std::string desc_str = desc_prefix + "/0h" + internal_path + desc_suffix;
    
    FlatSigningProvider keys;
    std::string error;
    std::unique_ptr<Descriptor> desc = Parse(desc_str, keys, error, false);
    WalletDescriptor w_desc(std::move(desc), creation_time, 0, 0, 0);
    m_wallet_descriptor = w_desc;
    
    WalletBatch batch(m_storage.GetDatabase());
    if (!AddDescriptorKeyWithDB(batch, master_key.key, master_key.key.GetPubKey())) {
        throw std::runtime_error(std::string(__func__) + ": writing descriptor master private key failed");
    }
    if (!batch.WriteDescriptor(GetID(), m_wallet_descriptor)) {
        throw std::runtime_error(std::string(__func__) + ": writing descriptor failed");
    }
    
    TopUp();
    m_storage.UnsetBlankWalletFlag(batch);
    return true;
}
bool DescriptorScriptPubKeyMan::IsHDEnabled() const