### 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_
{
    assert(!m_storage.IsWalletFlagSet(WALLET_FLAG_DISABLE_PRIVATE_KEYS));
    assert(!m_storage.IsWalletFlagSet(WALLET_FLAG_BLANK_WALLET));
    AssertLockHeld(cs_KeyStore);
    bool fCompressed = m_storage.CanSupportFeature(FEATURE_COMPRPUBKEY); 
    CKey secret;
    
    int64_t nCreationTime = GetTime();
    CKeyMetadata metadata(nCreationTime);
    
    if (IsHDEnabled()) {
        DeriveNewChildKey(batch, metadata, secret, hd_chain, (m_storage.CanSupportFeature(FEATURE_HD_SPLIT) ? internal : false));
    } else {
        secret.MakeNewKey(fCompressed);
    }
    
    if (fCompressed) {
        m_storage.SetMinVersion(FEATURE_COMPRPUBKEY);
    }
    CPubKey pubkey = secret.GetPubKey();
    assert(secret.VerifyPubKey(pubkey));
    mapKeyMetadata[pubkey.GetID()] = metadata;
    UpdateTimeFirstKey(nCreationTime);
    if (!AddKeyPubKeyWithDB(batch, secret, pubkey)) {
        throw std::runtime_error(std::string(__func__) + ": AddKey failed");
    }
    return pubkey;
}
static void DeriveExtKey(CExtKey& key_in, unsigned int index, CExtKey& key_out) {