Docs: provide a concrete discussion and example for RLS race conditions.

Commit 43cd468c added some wording to create_policy.sgml purporting
to warn users against a race condition of the sort that had been noted some
time ago by Peter Geoghegan.  However, that warning was far too vague to be
useful (or at least, I completely failed to grasp what it was on about).
Since the problem case occurs with a security design pattern that lots of
people are likely to try to use, we need to be as clear as possible about
it.  Provide a concrete example in the main-line docs in place of the
original warning.