Fix up the PQconnectionUsedPassword mess: create a separate

Fix up the PQconnectionUsedPassword mess: create a separate
PQconnectionNeedsPassword function that tells the right thing for whether to
prompt for a password, and improve PQconnectionUsedPassword so that it checks
whether the password used by the connection was actually supplied as a
connection argument, instead of coming from environment or a password file.
Per bug report from Mark Cave-Ayland and subsequent discussion.