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.
for (std::vector<std::pair<int64_t, CKeyID> >::const_iterator it = vKeyBirth.begin(); it != vKeyBirth.end(); it++) {
        const CKeyID &keyid = it->second;
        std::string strTime = FormatISO8601DateTime(it->first);
        std::string strAddr;
        std::string strLabel;
        CKey key;
        if (spk_man.GetKey(keyid, key)) {
            CKeyMetadata metadata;
            const auto it{spk_man.mapKeyMetadata.find(keyid)};
            if (it != spk_man.mapKeyMetadata.end()) metadata = it->second;
            file << strprintf("%s %s ", EncodeSecret(key), strTime);
            if (GetWalletAddressesForKey(&spk_man, wallet, keyid, strAddr, strLabel)) {
                file << strprintf("label=%s", strLabel);
            } else if (keyid == seed_id) {
                file << "hdseed=1";
            } else if (mapKeyPool.count(keyid)) {
                file << "reserve=1";
            } else if (metadata.hdKeypath == "s") {
                file << "inactivehdseed=1";
            } else {
                file << "change=1";
            }
            file << strprintf(" # addr=%s%s\n", strAddr, (metadata.has_key_origin ? " hdkeypath="+WriteHDKeypath(metadata.key_origin.path) : ""));
        }
    }
    file << "\n";
    for (const CScriptID &scriptid : scripts) {
        CScript script;
        std::string create_time = "0";
        std::string address = EncodeDestination(ScriptHash(scriptid));