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.
HelpExampleCli("rescanblockchain", "100000 120000")
            + HelpExampleRpc("rescanblockchain", "100000, 120000")
                },
        [&](const RPCHelpMan& self, const JSONRPCRequest& request) -> UniValue
{
    std::shared_ptr<CWallet> const pwallet = GetWalletForJSONRPCRequest(request);
    if (!pwallet) return UniValue::VNULL;
    CWallet& wallet{*pwallet};
    
    
    wallet.BlockUntilSyncedToCurrentChain();
    WalletRescanReserver reserver(*pwallet);
    if (!reserver.reserve()) {
        throw JSONRPCError(RPC_WALLET_ERROR, "Wallet is currently rescanning. Abort existing rescan or wait.");
    }
    int start_height = 0;
    std::optional<int> stop_height;
    uint256 start_block;
    {
        LOCK(pwallet->cs_wallet);
        int tip_height = pwallet->GetLastBlockHeight();
        if (!request.params[0].isNull()) {
            start_height = request.params[0].getInt<int>();
            if (start_height < 0 || start_height > tip_height) {
                throw JSONRPCError(RPC_INVALID_PARAMETER, "Invalid start_height");
            }
        }
        if (!request.params[1].isNull()) {
            stop_height = request.params[1].getInt<int>();
            if (*stop_height < 0 || *stop_height > tip_height) {