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.
{
    return RPCHelpMan{"backupwallet",
                "\nSafely copies current wallet file to destination, which can be a directory or a path with filename.\n",
                {
                    {"destination", RPCArg::Type::STR, RPCArg::Optional::NO, "The destination directory or file"},
                },
                RPCResult{RPCResult::Type::NONE, "", ""},
                RPCExamples{
                    HelpExampleCli("backupwallet", "\"backup.dat\"")
            + HelpExampleRpc("backupwallet", "\"backup.dat\"")
                },
        [&](const RPCHelpMan& self, const JSONRPCRequest& request) -> UniValue
{
    const std::shared_ptr<const CWallet> pwallet = GetWalletForJSONRPCRequest(request);
    if (!pwallet) return UniValue::VNULL;
    // 
    // 
    pwallet->BlockUntilSyncedToCurrentChain();
    LOCK(pwallet->cs_wallet);
    std::string strDest = request.params[0].get_str();
    if (!pwallet->BackupWallet(strDest)) {
        throw JSONRPCError(RPC_WALLET_ERROR, "Error: Wallet backup failed!");
    }
    return UniValue::VNULL;
},
    };
}
RPCHelpMan restorewallet()