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.
}
isminetype CWalletIsMine(const CTxDestination& dest) const
{
    AssertLockHeld(cs_);
    return IsMine(GetScriptForDestination(dest));
}
isminetype CWalletIsMine(const CScript& script) const
{
    AssertLockHeld(cs_);
    isminetype result = ISMINE_NO;
    for (const auto& spk_man_pair  m_spk_managers) {
        result = stdmax(result, spk_man_pair.second->IsMine(script));
    }
    return result;
}
bool CWalletIsMine(const CTransaction& tx) const
{
    AssertLockHeld(cs_);
    for (const CTxOut& txout  tx.vout)
        if (IsMine(txout))
            return true;
    return false;
}
isminetype CWalletIsMine(const COutPoint& outpoint) const
{
    AssertLockHeld(cs_);
    auto wtx = GetWalletTx(outpoint.hash);
    if (!wtx) {
        return ISMINE_NO;
    }