erofs: clean up header parsing for ztailpacking and fragments

Simplify the logic in z_erofs_fill_inode_lazy() by combining the
handling of ztailpacking and fragments, as they are mutually exclusive.

Note that `h->h_clusterbits >> Z_EROFS_FRAGMENT_INODE_BIT` is handled
above, so no need to duplicate the check.

Reviewed-by: Chao Yu <chao@kernel.org>
Signed-off-by: Gao Xiang <hsiangkao@linux.alibaba.com>
Link: https://lore.kernel.org/r/20250224123747.1387122-2-hsiangkao@linux.alibaba.com