In userspace, we want to be able to switch to buffered IO when we're
dealing with an image on a filesystem/device that doesn't support the
blocksize the filesystem was formatted with.

This plumbs through !opts.direct_io -> FMODE_BUFFERED, which will be
supported by the shim version of blkdev_get_by_path() in -tools, and it
adds a fallback to disable direct IO and retry for userspace.
Signed-off-by: Kent Overstreet <kent.overstreet@linux.dev>