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.
std::unique_ptr<interfaces::Handler> HandleLoadWallet(WalletContext& context, LoadWalletFn load_wallet);
void NotifyWalletLoaded(WalletContext& context, const std::shared_ptr<CWallet>& wallet);
std::unique_ptr<WalletDatabase> MakeWalletDatabase(const std::string& name, const DatabaseOptions& options, DatabaseStatus& status, bilingual_str& error);
constexpr CAmount DEFAULT_PAY_TX_FEE = 0;
static const CAmount DEFAULT_FALLBACK_FEE = 0;
static const CAmount DEFAULT_DISCARD_FEE = 10000;
static const CAmount DEFAULT_TRANSACTION_MINFEE = 1000;
static const CAmount DEFAULT_CONSOLIDATE_FEERATE{10000}; 
/**
 * maximum fee increase allowed to do partial spend avoidance, even for nodes with this feature disabled by default
 *
 * A value of -1 disables this feature completely.
 * A value of 0 (current default) means to attempt to do partial spend avoidance, and use its results if the fees remain *unchanged*
 * A value > 0 means to do partial spend avoidance if the fee difference against a regular coin selection instance is in the range [0..value].
 */
static const CAmount DEFAULT_MAX_AVOIDPARTIALSPEND_FEE = 0;
constexpr CAmount HIGH_APS_FEE{COIN / 10000};
static const CAmount WALLET_INCREMENTAL_RELAY_FEE = 5000;
static const bool DEFAULT_SPEND_ZEROCONF_CHANGE = true;
static const bool DEFAULT_WALLET_REJECT_LONG_CHAINS{true};
static const unsigned int DEFAULT_TX_CONFIRM_TARGET = 6;
static const bool DEFAULT_WALLET_RBF = true;
static const bool DEFAULT_WALLETBROADCAST = true;
static const bool DEFAULT_DISABLE_WALLET = false;
static const bool DEFAULT_WALLETCROSSCHAIN = false;
constexpr CAmount DEFAULT_TRANSACTION_MAXFEE{COIN / 10};
constexpr CAmount HIGH_TX_FEE_PER_KB{COIN / 100};
constexpr CAmount HIGH_MAX_TX_FEE{100 * HIGH_TX_FEE_PER_KB};
static constexpr size_t DUMMY_NESTED_P2WPKH_INPUT_SIZE = 91;
class CCoinControl;