Russell Yanofsky bf0a510981 gui: Avoid wallet tryGetBalances calls before TransactionChanged or BlockTip notifications
interfaces::Wallet::tryGetBalances was recently updated in
https://github.com/bitcoin/bitcoin/pull/18160 to avoid computing balances
internally, but this not efficient as it could be with #10102 because
tryGetBalances is an interprocess call.

Implementing the TransactionChanged / BlockTip check outside of tryGetBalances
also allows tryGetBalances to be simplified in next commit 'Revert "gui: Avoid
Wallet::GetBalance in WalletModel::pollBalanceChanged"'.
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