tcp: Add tcp_clamp_rto_to_user_timeout() helper to improve accuracy

Create the tcp_clamp_rto_to_user_timeout() helper routine. To calculate
the correct rto, so that the TCP_USER_TIMEOUT socket option is more
accurate. Taking suggestions and feedback into account from
Eric Dumazet, Neal Cardwell and David Laight. Due to the 1st commit we
can avoid the msecs_to_jiffies() and jiffies_to_msecs() dance.

Signed-off-by: Jon Maxwell <jmaxwell37@gmail.com>
Signed-off-by: Eric Dumazet <edumazet@google.com>
Signed-off-by: David S. Miller <davem@davemloft.net>