should_pack_ref(): new function, extracted from `files_pack_refs()`

Extract a function for deciding whether a reference should be packed.
It is a self-contained bit of logic, so splitting it out improves
readability.

Signed-off-by: Michael Haggerty <mhagger@alum.mit.edu>
Signed-off-by: Junio C Hamano <gitster@pobox.com>