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.
if (filter_label.value().empty()) {
            throw JSONRPCError(RPC_INVALID_PARAMETER, "Label argument must be a valid label name or \"*\".");
        }
    }
    int nCount = 10;
    if (!request.params[1].isNull())
        nCount = request.params[1].getInt<int>();
    int nFrom = 0;
    if (!request.params[2].isNull())
        nFrom = request.params[2].getInt<int>();
    isminefilter filter = ISMINE_SPENDABLE;
    if (ParseIncludeWatchonly(request.params[3], *pwallet)) {
        filter |= ISMINE_WATCH_ONLY;
    }
    if (nCount < 0)
        throw JSONRPCError(RPC_INVALID_PARAMETER, "Negative count");
    if (nFrom < 0)
        throw JSONRPCError(RPC_INVALID_PARAMETER, "Negative from");
    std::vector<UniValue> ret;
    {
        LOCK(pwallet->cs_wallet);
        const CWallet::TxItems & txOrdered = pwallet->wtxOrdered;
        
        for (CWallet::TxItems::const_reverse_iterator it = txOrdered.rbegin(); it != txOrdered.rend(); ++it)
        {
            CWalletTx *const pwtx = (*it).second;
            ListTransactions(*pwallet, *pwtx, 0, true, ret, filter, filter_label);
            if ((int)ret.size() >= (nCount+nFrom)) break;
        }
    }