bcachefs fixes for 6.11-rc2, more

- fix a bug that was causing ACLs to seemingly "disappear"
- new on disk format version, bcachefs_metadata_version_disk_accounting_v3
  bcachefs_metadata_version_disk_accounting_v2 accidentally included
  padding in disk_accounting_key; fortunately, 6.11 isn't out yet so we
  can fix this with another version bump.
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