[SCEV][IndVars] Always provide insertion point to the SCEVExpander::isHighCostExpansion()

Summary: This addresses the `llvm/test/Transforms/IndVarSimplify/elim-extend.ll` `@nestedIV` regression from D73728

Reviewers: reames, mkazantsev, wmi, sanjoy

Reviewed By: mkazantsev

Subscribers: hiraditya, llvm-commits

Tags: #llvm

Differential Revision: https://reviews.llvm.org/D73777