ipnlocal: fix switching users while logged in + Stopped.

This code path is very tricky since it was originally designed for the
"re-authenticate to refresh my keys" use case, which didn't want to
lose the original session even if the refresh cycle failed. This is why
it acts differently from the Logout(); Login(); case.

Maybe that's too fancy, considering that it probably never quite worked
at all, for switching between users without logging out first. But it
works now.

This was more invasive than I hoped, but the necessary fixes actually
removed several other suspicious BUG: lines from state_test.go, so I'm
pretty confident this is a significant net improvement.

Fixes tailscale/corp#1756.

Signed-off-by: Avery Pennarun <apenwarr@tailscale.com>
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