Long initial sync time when monero-wallet-rpc is started without `--daemon-address` option

[woodser]

If monero-wallet-rpc is started with a connected --daemon-address option, then creating a new wallet syncs almost immediately, from an appropriate height.

However, if --daemon-address is omitted, and then a wallet is created without syncing (by disabling auto_refresh), then a daemon connection is set via set_daemon, then the restore height can be ~40,000 blocks behind the current height when the wallet is synced for the first time.

As a result, the most reliable way to create a new wallet is with the --daemon-address option, which requires the wallet rpc server to be shut down and restarted any time the user or application wants to change the daemon connection or proxy configuration.

This issue requests using an appropriate restore height when monero-wallet-rpc is started without --daemon-address, and set_daemon is called before the wallet is synced for the first time.

Possibly related or a clarification of #8776

[nahuhh]

If you use set_daemon after creating the wallet, it has to estimate the restore height

related: #10165

^maybe try with 10165 to see if this resolves the issue