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Add heuristic to LDK code or docs #2499

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@moneyball

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@moneyball

From LDK Discord, @TheBlueMatt:

"Because there’s rarely liquidity limits for reasonable-value payments in the “core” of ln, one trivial heuristic would be to decline to send a pre-flight probe if the amount is > 1/3 of your available outbound liquidity on a channel that’s used for the probe"

"presumably ldk-node should do that for you, but we may want to document these guidelines in rust-lightning too
or have a wrapper which does the checks pre-flight in ChannelManager"

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