xfs: improve the IOMAP_NOWAIT check for COW inodes

Only bail out once we know that a COW allocation is actually required,
similar to how we handle normal data fork allocations.

Signed-off-by: Christoph Hellwig <hch@lst.de>
Reviewed-by: Darrick J. Wong <darrick.wong@oracle.com>
Signed-off-by: Darrick J. Wong <darrick.wong@oracle.com>