Create a new method to load an xfarray element from the xfile, but with
a twist.  If we've never stored to the array index, zero the caller's
buffer.  This will facilitate RMWs updates of records in a sparse array
without fuss, since the sparse xfarray convention is that uninitialized
array elements default to zeroes.

This is a separate patch to reduce the size of the upcoming quotacheck
patch.
Signed-off-by: Darrick J. Wong <djwong@kernel.org>
Reviewed-by: Christoph Hellwig <hch@lst.de>