Verifies that reloading a wallet with load_on_startup=True when it is already in the startup list correctly evaluates to SKIP_WRITE and does not emit a warning under -nosettings.
This improves test coverage for the dynamic settings logic introduced in #36176 by ensuring the C++ short-circuit logic properly evaluates the action type before checking the settings path.
This specific edge case was suggested by contributor jeanpablojp here.