cred: rework {override,revert}_creds()

For the v6.13 cycle we switched overlayfs to a variant of
override_creds() that doesn't take an extra reference. To this end I
suggested introducing {override,revert}_creds_light() which overlayfs
could use.

This seems to work rather well. As Linus correctly points out that we
should look into unifying both and simply make {override,revert}_creds()
do what {override,revert}_creds_light() currently does. Caller's that
really need the extra reference count can take it manually.

This series does all that. Afaict, most callers can be directly
converted over and can avoid the extra reference count completely.

Lightly tested.

To: Linus Torvalds <torvalds@linux-foundation.org>
Cc: Amir Goldstein <amir73il@gmail.com>
Cc: Miklos Szeredi <miklos@szeredi.hu>
Cc: linux-kernel@vger.kernel.org
Cc: linux-fsdevel@vger.kernel.org

---
Changes in v2:
- EDITME: describe what is new in this series revision.
- EDITME: use bulletpoints and terse descriptions.
- Link to v1: https://lore.kernel.org/r/20241124-work-cred-v1-0-f352241c3970@kernel.org



--- b4-submit-tracking ---
# This section is used internally by b4 prep for tracking purposes.
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  "series": {
    "revision": 2,
    "change-id": "20241124-work-cred-349b65450082",
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