target/file: Add checks for backend DIF emulation

Make sure that FILEIO only attempts to use backend DIF emulation
when it's actually enabled at device level.

Cc: Martin Petersen <martin.petersen@oracle.com>
Cc: Sagi Grimberg <sagig@mellanox.com>
Cc: Christoph Hellwig <hch@lst.de>
Signed-off-by: Nicholas Bellinger <nab@linux-iscsi.org>