ext4: avoid excessive credit estimate in ext4_tmpfile()

A user with minimum journal size (1024 blocks these days) complained
about the following error triggered by generic/697 test in
ext4_tmpfile():

run fstests generic/697 at 2024-02-28 05:34:46
JBD2: vfstest wants too many credits credits:260 rsv_credits:0 max:256
EXT4-fs error (device loop0) in __ext4_new_inode:1083: error 28

Indeed the credit estimate in ext4_tmpfile() is huge.
EXT4_MAXQUOTAS_INIT_BLOCKS() is 219, then 10 credits from ext4_tmpfile()
itself and then ext4_xattr_credits_for_new_inode() adds more credits
needed for security attributes and ACLs. Now the
EXT4_MAXQUOTAS_INIT_BLOCKS() is in fact unnecessary because we've
already initialized quotas with dquot_init() shortly before and so
EXT4_MAXQUOTAS_TRANS_BLOCKS() is enough (which boils down to 3 credits).

Fixes: af51a2ac36 ("ext4: ->tmpfile() support")
Signed-off-by: Jan Kara <jack@suse.cz>
Tested-by: Luis Henriques <lhenriques@suse.de>
Tested-by: Disha Goel <disgoel@linux.ibm.com>
Link: https://lore.kernel.org/r/20240307115320.28949-1-jack@suse.cz
Signed-off-by: Theodore Ts'o <tytso@mit.edu>

fs/ext4/namei.c

@@ -2897,7 +2897,7 @@ retry:
 	inode = ext4_new_inode_start_handle(idmap, dir, mode,
 					    NULL, 0, NULL,
 					    EXT4_HT_DIR,
-			EXT4_MAXQUOTAS_INIT_BLOCKS(dir->i_sb) +
+			EXT4_MAXQUOTAS_TRANS_BLOCKS(dir->i_sb) +
 			  4 + EXT4_XATTR_TRANS_BLOCKS);
 	handle = ext4_journal_current_handle();
 	err = PTR_ERR(inode);