loop: check in LO_FLAGS_DIRECT_IO in loop_default_blocksize

loop: check in LO_FLAGS_DIRECT_IO in loop_default_blocksize

We can't go below the minimum direct I/O size no matter if direct I/O is
enabled by passing in an O_DIRECT file descriptor or due to the explicit
flag.  Now that LO_FLAGS_DIRECT_IO is set earlier after assigning a
backing file, loop_default_blocksize can check it instead of the
O_DIRECT flag to handle both conditions.

Signed-off-by: Christoph Hellwig <hch@lst.de>
Reviewed-by: Damien Le Moal <dlemoal@kernel.org>
Link: https://lore.kernel.org/r/20250131120120.1315125-4-hch@lst.de
Signed-off-by: Jens Axboe <axboe@kernel.dk>