Getting "WSREP: RecordSet checksum does not match when" error when starting 2nd node in galera while the only one is running

This is reported by a MariaDB user:

We have highly loaded stand with MariaDB 10.11.7 in configuration 3 multi-master Galera nodes.
We was checking how data synchronization is working if we stop 2/3 nodes (only 1st node is online), then cleaned-up /var/lib/mysql/ in 2nd and 3rd nodes to provoke SST, then started 2nd node.
After the Joining node (2nd) completes SST it fails to get synchronized with Donor (1st online node) with IST.

From the log:

2024-02-20 17:50:40 3 [Note] WSREP: Recovered view from SST:
id: dc32fd00-903d-11ee-85ad-5bead3d487be:6109657999
status: primary
protocol_version: 4
capabilities: MULTI-MASTER, CERTIFICATION, PARALLEL_APPLYING, REPLAY, ISOLATION, PAUSE, CAUSAL_READ, INCREMENTAL_WS, UNORDERED, PREORDERED, STREAMING, NBO
final: no
own_index: 0
members(2):
0: 3a44102f-cfff-11ee-a7ca-1e0888e4626a, xxx-vm02
1: 748569a1-cf3e-11ee-9cff-b36126e8e923, xxx-vm01
....
Lots of rows:
2024-02-20 17:50:40 46 [Note] WSREP: Starting applier thread 46
...
2024-02-20 17:50:40 0 [Note] InnoDB: Rolled back recovered transaction 138599956425
2024-02-20 17:50:40 38 [Note] WSREP: Starting applier thread 38
2024-02-20 17:50:40 65 [Note] WSREP: Starting applier thread 65
2024-02-20 17:50:40 69 [Note] WSREP: Starting applier thread 69
2024-02-20 17:50:40 0 [ERROR] WSREP: RecordSet checksum does not match:
computed: 4a533acb bf185da8 24de7515 d69efc6f
found: c3dc9002 058f7e28 4bf63484 b3a4a111: 22 (Invalid argument)
at /home/buildbot/buildbot/build/galerautils/src/gu_rset.cpp:checksum():554
2024-02-20 17:50:40 0 [ERROR] WSREP: Writeset deserialization failed: Writeset checksum failed: 22 (Invalid argument)
at /home/buildbot/buildbot/build/galera/src/write_set_ng.hpp:checksum_fin():865
at /home/buildbot/buildbot/build/galera/src/trx_handle.hpp:unserialize():541
WS flags: 0
Trx proto: 5
Trx source: 00000000-0000-0000-0000-000000000000
Trx conn_id: 18446744073709551615
Trx trx_id: 18446744073709551615
Trx last_seen: -1
2024-02-20 17:50:40 0 [ERROR] WSREP: got exception while reading IST stream: Writeset checksum failed: 22 (Invalid argument)

Important note: This issue doesn't happen on the same environment if we stop application load. It happens only under load