PR46209: properly determine whether a copy assignment operator is

trivial.

We previously took a shortcut by assuming that if a subobject had a
trivial copy assignment operator (with a few side-conditions), we would
always invoke it, and could avoid going through overload resolution.
That turns out to not be correct in the presenve of ref-qualifiers (and
also won't be the case for copy-assignments with requires-clauses
either). Use the same logic for lazy declaration of copy-assignments
that we use for all other special member functions.