### 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_
TopUp();
        
        FlatSigningProvider out_keys;
        std::vector<CScript> scripts_temp;
        if (m_wallet_descriptor.range_end <= m_max_cached_index && !TopUp(1)) {
            
            return util::Error{_("Error: Keypool ran out, please call keypoolrefill first")};
        }
        if (!m_wallet_descriptor.descriptor->ExpandFromCache(m_wallet_descriptor.next_index, m_wallet_descriptor.cache, scripts_temp, out_keys)) {
            
            return util::Error{_("Error: Keypool ran out, please call keypoolrefill first")};
        }
        CTxDestination dest;
        if (!ExtractDestination(scripts_temp[0], dest)) {
            return util::Error{_("Error: Cannot extract destination from the generated scriptpubkey")}; 
        }
        m_wallet_descriptor.next_index++;
        WalletBatch(m_storage.GetDatabase()).WriteDescriptor(GetID(), m_wallet_descriptor);
        return dest;
    }
}
isminetype DescriptorScriptPubKeyMan::IsMine(const CScript& script) const
{
    LOCK(cs_desc_man);
    if (m_map_script_pub_keys.count(script) > 0) {
        return ISMINE_SPENDABLE;
    }
    return ISMINE_NO;
}
bool DescriptorScriptPubKeyMan::CheckDecryptionKey(const CKeyingMaterial& master_key, bool accept_no_keys)