delete_ref_loose(): don't muck around in the lock_file's filename

It's bad manners. Especially since there could be a signal during the
call to unlink_or_warn(), in which case the signal handler will see
the wrong filename and delete the reference file, leaving the lockfile
behind.

So make our own copy to work with.

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