clone: handle overly restrictive refspecs

clone: handle overly restrictive refspecs

When the fetch refspec does not include the remote's default branch, it
indicates an error in user expectations or programmer error. Error out
in that case.

This lets us get rid of the dummy refspec which can never work as its
zeroed out. In the cases where we did not find a default branch, we set
HEAD detached immediately, which lets us refactor the "normal" path,
removing `found_branch`.