User-configured min channel amount applies to max_in_flight

LDK defaults to applying max_in_flight less than the channel's total capacity for privacy reasons, however CLN applies the user-configured min channel amount to the max_in_flight, leading to user confusion (#4873 and https://github.com/lightningdevkit/rust-lightning/issues/1132). Because we want to encourage nodes to use a lower max_in_flight than the channel's capacity IMHO the user-configured channel minimum shouldn't apply to the max_in_flight, or maybe only apply 10% of it.