This was a header seen on an autoresponse sent from an Opalstack email address. The autoresponse would sometimes go into Junk when received by an Outlook.com mailbox even before the SPF record, and it was this I was hoping to avoid - but adding the record changes it from Neutral to a Softfail.
EDIT: Okay, further testing seems to indicate that the problem is thankfully limited to the autoresponder, which is sending from 91.109.16.70 in my case (imap1.de.opalstack.com). I'm changing the record to the following in the hope it will fix it:
v=spf1 include:spf.opalstack.com include:mail.de.opalstack.com ~all