pull manipulations of rpc_cred inside alloc_nfs_open_context()

No need to duplicate them in both callers; make it return
ERR_PTR(-ENOMEM) on allocation failure instead of NULL and
it'll be able to report rpc_lookup_cred() failures just
fine.  Callers are much happier that way...

Signed-off-by: Al Viro <viro@zeniv.linux.org.uk>