n-api: reduce gc finalization stress

https://github.com/nodejs/node/pull/24494 fixed a crash
but resulted in increased stress on gc finalization. A leak
was reported in https://github.com/nodejs/node/issues/26667 which
we are still investigating. As part of this investigation I
realized we can optimize to reduce amount of deferred finalization.
Regardless of the root cause of the leak this should be a
good optimization. It also resolves the leak for the case being
reported in #26667. The OP in 26667 has confirmed that he can
still recreate the original problem that 24494 fixed and that
the fix still works with this optimization

PR-URL: https://github.com/nodejs/node/pull/27085


Reviewed-By: Ben Noordhuis <info@bnoordhuis.nl>
Reviewed-By: Colin Ihrig <cjihrig@gmail.com>
Reviewed-By: James M Snell <jasnell@gmail.com>