Same as #2388

Signed-off-by: Philemon Ukane <ukanephilemon@gmail.com>

When used for computing the bond fee buffer, the "fee rate limit" makes
an extremely hight fee rate buffer, which makes BTC bonds impractical.
This change:
- switches to using a dynamic fee rate with the configured fallback rate
  for both ReserveBondFunds and BondsFeeBuffer, where the former is
  used as the requirement for the frontend to proceed with registration
- uses the exported BondsFeeBuffer method when automatically creating
  the "extra" split output in certain order funding edge cases instead
  of a buffer based on the high limit.
- tweaks the bond tx input count to be slightly less conservative, going
  from 12 -> 8 possible inputs
- gives BondsFeeBuffer a fee rate parameter so that a rate can come from
  Core even if the wallet has no estimate source
- give ReserveBondFunds a feeBuffer paramerter so that the buffer used
  during wallet funding (from BondsFeeBuffer) can be used, preventing
  possible bad UX if the fee rates go up and they have to send more.

The motivation for these changes is that using the wallet's configure
fee rate limit create extremely high fee bufferes, whereas we have
defined the "fallback" fee rate to be a reasonable fallback where a
current estimate is not available.

Further, this is a buffer and precision is not critical, but turning
users away from onboarding is a major issue.  The right approach
is to base reserves on a padded estimate based on current rates,
not the swap fee rate limit.

Finally, given this softening of the reserves amount, no adjustment to
the enforced bond reserves in Reconfigure is done since we are now
using current rates as a hit of future rates.

Padding of this fee buffer already comes from:
- planning for a lot of inputs
- 4 parallel bond tracks
- the exported BondsFeeBuffer method doubling the provided fee rate

Even if fee rates skyrocket, and the reserves become insufficient for
bond renewal, the user will still post bond if their balance allows, and
they may deposit some nominal additional amount to cover any such
deficit.

This tweaks the wording on the bond asset selection form and adds the
"whatsabond" information text.

This also fixes a bug where the settings page was using the old registration fee
instead of the "bonds fee buffer".  It also fixes the condition for skipping the
wallet balance wait form created from the settings page.

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Co-authored-by: buck54321 <buck54321@gmail.com>