Fixes #22085
Root cause: There was just 1 second between the wait (5 seconds) and the -peertimeout=4.
Since ShouldRunInactivityChecks in net.cpp measures the timeout in seconds, its result can only change once per second, even though it is called more often.
So in situations when the connection is established early in a given second like here (2021-05-27T12:28:04.001913Z ), the 1 second leeway was not be sufficient, leading to the intermittent failures.
Fix this by lowering the timeout by one second.