Fix debug panic in onion utils on large custom TLVs or metadata.

Fix debug panic in onion utils on large custom TLVs or metadata.

We previously assumed that the final node's payload would be ~93 bytes, and had
code to ensure that the filler encoded after that payload is not all 0s. Now
with custom TLVs and metadata supported, the final node's payload may take up
the entire onion packet, so we can't assume that there are 64 bytes of filler
to check.