Partially fixes #32661. Depends on #35404 from which the first two commits are added here.
Post deprecation of -walletrbf startup option, the corresponding
RBF default value instead become effective in case the replaceable
flag is not passed in the transaction and PSBT creations RPCs. Now
that the bitcoin nodes have fullrbf, this default value is switched
from true to false because signalling for RBF is not necessary for
replacing transactions and the wallet doesn't need to opt into it by default.