Avoid somewhat-theoretical overflow risks in RecordIsValid().

This improves on commit 51fed14d by
eliminating the assumption that we can form <some pointer value> +
<some offset> without overflow.  The entire point of those tests is that
we don't trust the offset value, so coding them in a way that could wrap
around if the buffer happens to be near the top of memory doesn't seem
sound.  Instead, track the remaining space as a size_t variable and
compare offsets against that.

Also, improve comment about why we need the extra early check on
xl_tot_len.