Stop believing the maximum oid cached in a FileStorage's .index file.

This is a critical bugfix, although the problems it addresses are
(a) rare; and, (b) not entirely fixed yet (more checkins to come).

The true max oid is found efficiently now by exploiting the recently-added
fsIndex.maxKey() method (which was, of course, added for this purpose).

Also fix that the .index file could get updated on disk when the
FileStorage was opened in read-only mode.  The code was trying to prevent
this, but missed the most obvious rewrite path.

Incidentally improved many obsolete and/or incorrect comments.