addmultisigaddress creates an address respecting the setting, being unable to generate a specific type of address without also adding it to the wallet seems wrong.

I suppose in the future `addresstype` may be refactored to be wallet-specific, which would leave this non-wallet rpc call without an argument. Perhaps there should just be an optional parameter to set it.
UniValue ret(UniValue::VARR);
    for (const std::pair<const CTxDestination, CAddressBookData>& item : pwallet->mapAddressBook) {
        const CTxDestination& dest = item.first;
        const std::string& strName = item.second.name;
        if (strName == strAccount) {
            ret.push_back(EncodeDestination(dest));
        }
    }
    return ret;
}
static CTransactionRef SendMoney(CWallet * const pwallet, const CTxDestination &address, CAmount nValue, bool fSubtractFeeFromAmount, const CCoinControl& coin_control, mapValue_t mapValue, std::string fromAccount)
{
    CAmount curBalance = pwallet->GetBalance();
    
    if (nValue <= 0)
        throw JSONRPCError(RPC_INVALID_PARAMETER, "Invalid amount");
    if (nValue > curBalance)
        throw JSONRPCError(RPC_WALLET_INSUFFICIENT_FUNDS, "Insufficient funds");
    if (pwallet->GetBroadcastTransactions() && !g_connman) {
        throw JSONRPCError(RPC_CLIENT_P2P_DISABLED, "Error: Peer-to-peer functionality missing or disabled");
    }
    
    CScript scriptPubKey = GetScriptForDestination(address);
    
    CReserveKey reservekey(pwallet);
    CAmount nFeeRequired;
    std::string strError;
    std::vector<CRecipient> vecSend;
    int nChangePosRet = -1;