Avoid saturating channels before we split payments

Avoid saturating channels before we split payments

Currently we only opt to split a payment into an MPP if we have
completely and totally used a channel's available capacity (up to
the announced htlc_max or on-chain capacity, whichever is lower).
This is obviously destined to fail as channels are unlikely to have
their full capacity available.

Here we do the minimum viable fix by simply limiting channels to
only using up to a configurable power-of-1/2. We default this new
configuration knob to 1 (1/2 of the channel) so as to avoid a
substantial change but in the future we may consider changing this
to 2 (1/4) or even 3 (1/8).