Make all new metadata files owned by user when needed

Make all new metadata files owned by user when needed

Since commit 4c7c6631cc5a ("Set owner of login protectors to correct
user"), login protectors are made owned by the user when root creates
one on a user's behalf.  That's good, but the same isn't true of other
files that get created at the same time:

- The policy protecting the directory
- The protector link file, if the policy is on a different filesystem
- The recovery protector, if the policy is on a different filesystem
- The recovery instructions file

In preparation for setting all metadata files to mode 0600, start making
all these files owned by the user in this scenario as well.