bio->bi_opf isn't finalized before checking the bio, so use it after
submit_bio_checks() returns.

Fixes: 5b13bc8a ("blk-mq: cleanup request allocation")
Cc: Christoph Hellwig <hch@lst.de>
Signed-off-by: Ming Lei <ming.lei@redhat.com>
Signed-off-by: Jens Axboe <axboe@kernel.dk>