Fixes #26973
When using the bumpfee RPC and manually specifying fee_rate, there should be no requirement that the new fee must be at least the sum of the original fee and incrementalFee (maximum of relayIncrementalFee and WALLET_INCREMENTAL_RELAY_FEE).
This restriction should only apply when user did not specify fee_rate.
because the GUI doesn’t let the user specify the new fee rate yet (https://github.com/bitcoin-core/gui/issues/647), it would be very annoying to have to bump 20 times to increment by 20 sat/vbyte.
The restriction should instead be the new fee must be at least the sum of the original fee and incrementalFee (relayIncrementalFee)