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.
{
    
    if (!CheckFinalTx(*tx))
        return false;
    int nDepth = GetDepthInMainChain();
    if (nDepth >= 1)
        return true;
    if (nDepth < 0)
        return false;
    if (!pwallet->m_spend_zero_conf_change || !IsFromMe(ISMINE_ALL)) 
        return false;
    
    if (!InMempool())
        return false;
    
    for (const CTxIn& txin : tx->vin)
    {
        
        const CWalletTx* parent = pwallet->GetWalletTx(txin.prevout.hash);
        if (parent == nullptr)
            return false;
        const CTxOut& parentOut = parent->tx->vout[txin.prevout.n];
        if (pwallet->IsMine(parentOut) != ISMINE_SPENDABLE)
            return false;
    }
    return true;
}
bool CWalletTx::IsEquivalentTo(const CWalletTx& _tx) const