ext4: fix credits calculation for xattr inode

When there is no space for a value in xattr block, it may be stored
in an xattr inode even if the value length is less than
EXT4_XATTR_MIN_LARGE_EA_SIZE(). So the current assumption in credits
calculation is wrong.

Signed-off-by: Tahsin Erdogan <tahsin@google.com>
Signed-off-by: Theodore Ts'o <tytso@mit.edu>