KEYS: Differentiate uses of rcu_dereference_key() and user_key_payload()

rcu_dereference_key() and user_key_payload() are currently being used in
two different, incompatible ways:

 (1) As a wrapper to rcu_dereference() - when only the RCU read lock used
     to protect the key.

 (2) As a wrapper to rcu_dereference_protected() - when the key semaphor is
     used to protect the key and the may be being modified.

Fix this by splitting both of the key wrappers to produce:

 (1) RCU accessors for keys when caller has the key semaphore locked:

	dereference_key_locked()
	user_key_payload_locked()

 (2) RCU accessors for keys when caller holds the RCU read lock:

	dereference_key_rcu()
	user_key_payload_rcu()

This should fix following warning in the NFS idmapper

  ===============================
  [ INFO: suspicious RCU usage. ]
  4.10.0 #1 Tainted: G        W
  -------------------------------
  ./include/keys/user-type.h:53 suspicious rcu_dereference_protected() usage!
  other info that might help us debu...