Apply a default max fee rather than none when paying for BOLT12

Apply a default max fee rather than none when paying for BOLT12

If the user declines to specify a `max_total_routing_fee_msat` in
the new BOLT12 payment methods, rather than defaulting to no limit
on the fee we pay at all, we should default to our "usual default",
ie the one calculated in
`RouteParameters::from_payment_params_and_value`.

We do this here, as well as documenting the behavior on the payment
methods.