ovl_check_encode_origin() should return a positive number if the lower
dentry is to be encoded, zero otherwise.  If there's no upper layer at all
(read-only overlay), then it obviously needs to return positive.

This was broken by commit 16aac5ad ("ovl: support encoding
non-decodable file handles"), which didn't take the lower-only
configuration into account.

Fix by checking the no-upper-layer case up-front.
Reported-and-tested-by: Youzhong Yang <youzhong@gmail.com>
Closes: https://lore.kernel.org/all/CADpNCvaBimi+zCYfRJHvCOhMih8OU0rmZkwLuh24MKKroRuT8Q@mail.gmail.com/
Fixes: 16aac5ad ("ovl: support encoding non-decodable file handles")
Cc: <stable@vger.kernel.org> # v6.6
Signed-off-by: Miklos Szeredi <mszeredi@redhat.com>