Adds functional test coverage for the CheckFeeRate() error path where calculateCombinedBumpFee() returns nullopt (line 84 of feebumper.cpp).
Creates 9 independent 57-tx unconfirmed chains (each under MAX_CLUSTER_COUNT_LIMIT), has the wallet spend from all of them, and verifies bumpfee returns the expected error when GatherClusters() aggregates >500 total txs.
Closes #34902