offers: loosen payment_constraints on invoices' blinded paths.

In practice, we were too strict.  Here's Phoenix paying my node via another node:

```
2025-08-25T13:57:53.311Z DEBUG   02...-chan#216: Failing HTLC because of an invalid payload (TLV 10 pos 103): cltv_expiry 911816 > payment_constraint 911721
```

We add 6 blocks, but this is supposed to be the *max* allowed.  Increase it to 1008, to allow shadow padding.  Here are the CLTV delays across advertized channels in the network: most are far less than this:

Count   Delay
      1 0
      1 4
      3 12
    899 18
    602 20
      1 22
      3 24
      1 25
      9 26
      5 29
     72 30
     54 32
   4352 34
      2 35
      6 36
     10 37
     27 38
      8 39
  15256 40
     94 42
    102 44
     13 45
     20 46
     87 48
    230 50
    100 51
     14 55
    316 60
     29 64
     30 65
     24 68
     82 69
      9 70
    779 72
     13 77
    243 78
      1 79
  26793 80
      1 82
      6 83
      1 84
     18 85
      1 86
      9 87
     16 88
    101 89
      2 90
     11 96
    113 99
   9527 100
     41 112
     34 118
    132 119
    403 120
     24 128
    232 140
    138 142
  14303 144
      2 145
     41 150
      6 160
      3 172
      8 174
     27 180
      4 190
    297 200
     99 210
     34 216
    219 222
     15 240
    105 288
     17 300
      7 336
      1 360
     19 400
     24 420
     26 432
     20 450
      1 480
     12 500
      1 720
      1 850
      1 1000
      1 1002
      1 1144
      1 1192
      5 1201
      1 1444
      1 1795
      1 1900
      1 2016

Signed-off-by: Rusty Russell <rusty@rustcorp.com.au>
Changelog-Changed: Protocol: Offers on nodes with only private channels are now payable (i.e. no more blinded path errors!).
Fixes: #7718

Author: rustyrussell

plugins/offers_invreq_hook.c

@@ -292,15 +292,28 @@ static struct command_result *found_best_peer(struct command *cmd,
 		 *   after `invoice_created_at`:
 		 *     - MUST set `invoice_relative_expiry`
 		 */
-		/* Give them 6 blocks, plus one per 10 minutes until expiry. */
 		if (ir->inv->invoice_relative_expiry)
-			base = blockheight + 6 + *ir->inv->invoice_relative_expiry / 600;
+			base = blockheight + *ir->inv->invoice_relative_expiry / 600;
 		else
-			base = blockheight + 6 + 7200 / 600;
-
+			base = blockheight + 7200 / 600;
+
+		/* BOLT #4:
+		 * - MUST set `encrypted_data_tlv.payment_constraints`
+		 *   for each non-final node and MAY set it for the
+		 *   final node:
+		 *   - `max_cltv_expiry` to the largest block height at which
+		 *     the route is allowed to be used, starting from the final
+		 *     node's chosen `max_cltv_expiry` height at which the route
+		 *     should expire, adding the final node's
+		 *     `min_final_cltv_expiry_delta` and then adding
+		 *     `encrypted_data_tlv.payment_relay.cltv_expiry_delta` at
+		 *     each hop.
+		 */
+		/* BUT: we also recommend padding CLTV when paying, to obscure paths: if this is too tight
+		 * payments fail in practice!  We add 1008 (half the max possible) */
 		etlvs[0]->payment_constraints = tal(etlvs[0],
 						    struct tlv_encrypted_data_tlv_payment_constraints);
-		etlvs[0]->payment_constraints->max_cltv_expiry = base + best->cltv + cltv_final;
+		etlvs[0]->payment_constraints->max_cltv_expiry = 1008 + base + best->cltv + cltv_final;
 		etlvs[0]->payment_constraints->htlc_minimum_msat = best->htlc_min.millisatoshis; /* Raw: tlv */
 
 		/* So we recognize this payment */