Built against `master` branch 801dd40666d1e6009920ad3ff755c7bb993b2a62:

If I have no wallet.dat file and run:

    bitcoind -usehd=0

A new wallet.dat file is created and an HD seed is assigned.

I see an error message in the source:

    "Error loading %s: You can't disable HD on an already existing HD wallet or create new non-HD wallets."

but that doesn't get shown because `fFirstRun` is true, and so the code which checks for `-usehd` values doesn't run.

If it's no longer possible to create non-HD wallets, specifying -usehd=0 when creating a wallet should be an error, and not get silently ignored.
if (!IsCrypted()) {
        return walletdb.WriteKey(pubkey,
                                                 secret.GetPrivKey(),
                                                 mapKeyMetadata[pubkey.GetID()]);
    }
    return true;
}
bool CWallet::AddKeyPubKey(const CKey& secret, const CPubKey &pubkey)
{
    CWalletDB walletdb(*dbw);
    return CWallet::AddKeyPubKeyWithDB(walletdb, secret, pubkey);
}
bool CWallet::AddCryptedKey(const CPubKey &vchPubKey,
                            const std::vector<unsigned char> &vchCryptedSecret)
{
    if (!CCryptoKeyStore::AddCryptedKey(vchPubKey, vchCryptedSecret))
        return false;
    {
        LOCK(cs_wallet);
        if (pwalletdbEncryption)
            return pwalletdbEncryption->WriteCryptedKey(vchPubKey,
                                                        vchCryptedSecret,
                                                        mapKeyMetadata[vchPubKey.GetID()]);
        else
            return CWalletDB(*dbw).WriteCryptedKey(vchPubKey,
                                                            vchCryptedSecret,
                                                            mapKeyMetadata[vchPubKey.GetID()]);
    }
}
bool CWallet::LoadKeyMetadata(const CTxDestination& keyID, const CKeyMetadata &meta)