reflect: special-case panic message when returning Value{} from MakeFunc function

Before this CL we used to panic with "nil pointer dereference" because
the value we're calling assignTo on is the zero Value. Provide a better
error message.

Fixes #28748

Change-Id: I7dd4c9e30b599863664d91e78cc45878d8b0052e
Reviewed-on: https://go-review.googlesource.com/c/go/+/175440


Run-TryBot: Keith Randall <khr@golang.org>
TryBot-Result: Gobot Gobot <gobot@golang.org>
Reviewed-by: Brad Fitzpatrick <bradfitz@golang.org>