wallet: Don't upgrade to HD split if it is already supported #20420
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It is unnecessary to upgrade to FEATURE_HD_SPLIT if this feature is already supported by the wallet. Because upgrading to FEATURE_HD_SPLIT actually requires upgrading to FEATURE_PRE_SPLIT_KEYPOOL, users would accidentally be upgraded to FEATURE_PRE_SPLIT_KEYPOOL instead of nothing being done.
Fixes the issue described at #20403 (comment)
Needs backport to 0.21