Previously only users who needed a second wallet had to use to the create wallet dialog. With the merge of https://github.com/bitcoin/bitcoin/pull/15454 now all new users have to. I don't think it was user-friendly enough for that.
<img width="403" alt="Schermafbeelding 2020-09-18 om 09 41 44" src="https://user-images.githubusercontent.com/10217/93574129-52ef9680-f998-11ea-9a6f-31144f66d3bf.png">
This PR makes a few simple improvements so that new users don't have to think too much:
<img width="369" alt="Schermafbeelding 2020-10-15 om 16 45 22" src="https://user-images.githubusercontent.com/10217/96145959-0c914700-0f06-11eb-9526-cf447d841d7a.png">
It's lightly inspired by #77. It would be better if those changes made it into the upcoming release, but this PR is a good start imo.
- wallet encryption is no longer checked by default, because such a change in the default needs a separate discussion (fwiw, I suspect it increases the number of users losing access to coins)
- watch-only and descriptor wallet stuff is moved to advanced, so new users know they can safely ignore these check boxes
- bonus: when you click on "disable private keys" it disables encrypt wallet and checks blank wallet
- label changes: see screenshot
- tooltip changes: see code diff
Note that a blank wallet name isn't allowed in the dialog; I haven't addressed that.
Update 2020-10-30, dropped the new strings for now: <img width="450" alt="Schermafbeelding 2020-10-30 om 11 26 55" src="https://user-images.githubusercontent.com/10217/97694591-1b99fc80-1aa3-11eb-8b85-e19f1ad5add4.png">



