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{"walletpassphrasechange",
                "\nChanges the wallet passphrase from 'oldpassphrase' to 'newpassphrase'.\n",
                {
                    {"oldpassphrase", RPCArg::Type::STR, RPCArg::Optional::NO, "The current passphrase"},
                    {"newpassphrase", RPCArg::Type::STR, RPCArg::Optional::NO, "The new passphrase"},
                },
                RPCResult{RPCResult::Type::NONE, "", ""},
                RPCExamples{