ovl: use ovl_numlower() and ovl_lowerstack() accessors

This helps fortify against dereferencing a NULL ovl_entry,
before we move the ovl_entry reference into ovl_inode.

Reviewed-by: Alexander Larsson <alexl@redhat.com>
Signed-off-by: Amir Goldstein <amir73il@gmail.com>
Signed-off-by: Miklos Szeredi <mszeredi@redhat.com>