### 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_
{
    CKeyMetadata meta;
    {
        LOCK(cs_KeyStore);
        auto it = mapKeyMetadata.find(keyID);
        if (it == mapKeyMetadata.end()) {
            return false;
        }
        meta = it->second;
    }
    if (meta.has_key_origin) {
        std::copy(meta.key_origin.fingerprint, meta.key_origin.fingerprint + 4, info.fingerprint);
        info.path = meta.key_origin.path;
    } else { 
        std::copy(keyID.begin(), keyID.begin() + 4, info.fingerprint);
    }
    return true;
}
bool LegacyScriptPubKeyMan::GetWatchPubKey(const CKeyID &address, CPubKey &pubkey_out) const