This PR is splitting off some of the improvements made in #28985 and starts addressing the issues raised in #27754.
I aim to completely replace coinselector_tests with coinselection_tests. The goal is to generally use coins created per a nominal effective value so we can get away from testing with CoinSelectionParams that are non-representative and effectuate counterintuitive behavior such as feerate = 0 or cost_of_change = 0