### Is there an existing issue for this?

- [X] I have searched the existing issues

### Current behaviour

I randomly encountered this by loading a wallet created from master with an older version. I could trace it down to bd13dc2f46ea10302a928fcf0f53b7aed77ad260 (#26076), but I don't know descriptor wallets enough to understand what's going on (cc @Sjors @achow101).

### Expected behaviour

`bitcoind` starts, or at least tells me to use a later version if #26076 was a breaking change instead of corrupting `wallet.dat`.

### Steps to reproduce

(master, clean chain): 
`createwallet -regtest ""`
(v25.0rc2):
first `bitcoind -regtest` succeeds
then stop and restart the node: The second `bitcoind -regtest` leads to an InitError:
`Error: Error: Unable to expand wallet descriptor from cache`
now, the wallet cannot be loaded by either version.

### Relevant log output

_No response_

### How did you obtain Bitcoin Core

Compiled from source

### What version of Bitcoin Core are you using?

v25.0rc2 / master

### Operating system and version

Ubuntu

### Machine specifications

_No response_
{
    DBErrors result = DBErrors::LOAD_OK;
    bool any_unordered = false;
    std::vector<uint256> upgraded_txs;
    LOCK(pwallet->cs_wallet);
    
    int last_client = CLIENT_VERSION;
    bool has_last_client = m_batch->Read(DBKeys::VERSION, last_client);
    pwallet->WalletLogPrintf("Wallet file version = %d, last client version = %d\n", pwallet->GetVersion(), last_client);
    try {
        if ((result = LoadMinVersion(pwallet, *m_batch)) != DBErrors::LOAD_OK) return result;
        
        
        if ((result = LoadWalletFlags(pwallet, *m_batch)) != DBErrors::LOAD_OK) return result;
#ifndef ENABLE_EXTERNAL_SIGNER
        if (pwallet->IsWalletFlagSet(WALLET_FLAG_EXTERNAL_SIGNER)) {
            pwallet->WalletLogPrintf("Error: External signer wallet being loaded without external signer support compiled\n");
            return DBErrors::EXTERNAL_SIGNER_SUPPORT_REQUIRED;
        }
#endif
        
        result = std::max(LoadLegacyWalletRecords(pwallet, *m_batch, last_client), result);