Nested field update doesn't type-check properly #18940

type SubSubTest = {
    Z: int
}

type SubTest = {
    Y: SubSubTest
}

type Test = {
    X: SubTest
}

let getTest () =
    Unchecked.defaultof<Test>


[<EntryPoint>]
let main argv =
    {
        getTest () with
            X.Y.Z = 123
    } |> ignore
    0

    let t = getTest ()
    {
        t with
            X.Y.Z = 123
    } |> ignore