xfs: reduce metafile reservations

There is no point in reserving more space than actually available
on the data device for the worst case scenario that is unlikely to
happen.  Reserve at most 1/4th of the data device blocks, which is
still a heuristic.

Signed-off-by: Christoph Hellwig <hch@lst.de>
Reviewed-by: "Darrick J. Wong" <djwong@kernel.org>